BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My Marcus saving account was locked on XX/XX/XXXXXXXX  when I tried to transfer money from Marcus to my XXXX account under my name. I have a total of XXXX in the saving account. It is not my responsibility to verify one of my financial institutions- when I link the XXXX account to Marcus or when I transfer money in Marcus, they have verified my identity. 

I tried to contact Marcus multiple times during the past one and a half month but until today, I still didn't receive any progress. 

I made my first phone call to Marcus on XX/XX/XXXX. They refused to tell me why my account is locked. On XX/XX/XXXX, I called Marcus, they refused to tell me why my account is locked. They said they would send the affidavit of identity ( the letter to verify my identity ) will be sent out in 5 business days. 

On XX/XX/XXXX, I called again, they said the affidavit of identity is pending approval, which may take 1-3 business days. 



I want to close my Marcus saving account and get my money back ASAP. I've been dealing with this issue with Marcus for 1.5 months now but received no progress. 

On XX/XX/XXXX, I called one more time, after letting me wait for 56 minutes in total, they said the letter is waiting the approval of support team, which will take 5 more business days. 

XX/XX/XXXX, Marcus said they still need 3 more business days to send me the identity verification letter. 
XX/XX/XXXX, They closed my complaint, and claimed that the letter was sent on XX/XX/XXXX, which contradicts to their previous claims on XX/XX/XXXX that the letter wasn't sent out. 

This is just the very first step to unlock my account, which already takes one and a half month. I don't think waiting will solve this issue. I want to get my money back and close the Marcus account permanently because of the experiences above. 
I have wasted 6 hours on phone but got no results. I need to pay my rent, credit cards, and medical bills. I also want {$500.00} compensation for all my financial, mental, and time loss during this one and half month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Ive reached out to transunion via mail, I sent certified and notarized letters on three different occasions, I sent my fourth round of letters XX/XX/2019. Im requesting that they provide proof of numerous unverified accounts and late payments they are reporting and they continue respond and say its verified but they have failed to provide proof to support their investigation, per FCRA they are required to have signed documents/verifiable proof. I am demanding they conduct a real investigation and not use 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 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter on XX/XX/XXXX to remove : 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 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 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 Balance : {$1900.00} the listed items are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America is acting more like a health insurance company and not a financial institution. Their procedures for reimbursements from Flexible Spending Accounts have become increasingly difficult from the prior year. I have had all of my claims denied so far this year. This includes an ER hospital bill after my insurance claims adjusted cost to me. I also had my wife 's prescription glasses denied as well. Even sending me a copy of their guide for what information they requested, the XXXX XXXX receipt was still insufficient in spite of answering the 5 questions that are needed to get approval. I don't understand why a letter from the doctor and a second letter from the place of " equipment '' purchase is needed in addition to receipts already provided. Additionally, why do medical records also have to be attached to the claim, which is a violation of PII. The bank has made it clear ( including with my company 's HR department on a call ) that their intention is to keep those funds if not disbursed by the end of the year. This is fraud and a loss of entitlement being denied. I believe this is discriminatory behavior that should not be tolerated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-02
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: Information belongs to someone else

Complaint:
EXPERIAN IS STILL VIOLATION OF MY RIGHTS HIPPA, CRA

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 2023-11-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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.

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 inructions 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 2023-08-04
Company: Exeter Finance Corp.
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I I'm being charged 19.95 % APR on my XXXX that I use mainly to take my XXXX XXXX  to therapy and be able to fit all my others kids as well. I wasn't aware it was that high when I signed the contract. I should've been more persistent in asking questions but I was being pushed and almost harassed to take the loan. I can't even refinance the loan bc after almost a yr, I still haven't touched the principal balance making XXXX XXXX/month payments. They are also harassing my family members every time there is any lapse in my payments. I stopped paying the past couple months and XXXX from the consumer finance protection bureau and she advised me to reach out to Exeter to make them aware i was filing a complaint and to let to let them make it right and change the interest rate. I talked to XXXX on XX/XX/XXXX from the finance company and was told since I signed it there was nothing I could do other than find another loan agency and refinance to get a new interest rate but I'm unable to be approved due to the marks on my credit since they reported the late payments. I was also told it would be deferred until XXXX and that she was submitting a claim on my behalf also but I started receiving calls again the past few days. I talked to XXXX yesterday XX/XX/XXXX and was told the deferment was only 2 months and covered my late payments but only paid part of the interest that accrues daily on top of the illegal rate of 19.95 %. I don't know what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I stay in this complex where it was time for us to move out our lease was up at XXXX XXXX XXXX. I was told by the manager to move out, because my family and were in a very bad and serious situation she told me and family would be in good standard because we were good tenants. She also said that our lease wouldnt be considered as a eviction. She told me I wouldnt have a eviction on my credit. She and I sat down and talked about why I had to move out my family and I life was in danger. I cant afford to pay {$4300.00} and I asked the can I pay low payment to this company and they said no they cant except that amount for a payment. I cant even move into a house. I need help please.They are very nasty company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
on XX/XX/XXXX i open an account with chase bank at XXXX branch, with XXXX XXXX id # XXXX, when i open my account i opened with a coupon of XXXX $ if u opened with direct deposit on your 45 days, which i comply with the requirements. my direct deposit hit the bank on XX/XX/XXXX. i waited till my 2 or 3 direct deposit and i don't see the funds of the advertising coupon i got when i open the account, well i contact the branch spoke to XXXX and he said manager will call me which he never did i end up going in personal to the branch at XXXX where i open the account spoke to XXXX again, manager is never there or he never return your calls, so on friday XX/XX/XXXX i get to speak to the manager because i continue to call the branch, he comes and tell me unfortunately i don't qualify because i had open an account and because i didn't took the proof of address to the nearest branch they closed the account which XXXX XXXX knew bout it cause when he was opening the new account that pop out so he ask me and he said " don't matter this a new account " i am going to add the coupon because you qualify for it, i said okay, i am very disappointed at this because they make me wait for the longest to then find an excuse to do not pay me the checking account bonus w direct deposit. i also don't agree with this excuses the manager gave me because XXXX XXXX knew about it and never said anything to me, i also spoke to XXXX and he told me he don't understand why they haven't post the funds is coupon is in the system .. THIS IS FALSE ADVERTISING TO GET MORE CLIENTS TO OPEN ACCOUNTS WITH THEM, OFFERING PROMOTIONS THAT THEY NEVER COMPLY WITH. WHY THE LIE TO THE CLIENTS AND WHY THEY LOOK FOR AN EXCUSE SO DO NOT PAY ME THE OFFER, I WOULD LIKE TO GET THE OFFER BECAUSE I DON'T SEE THAT TO BE RIGHT OR FAIR. I'M STILL A NEW CUSTOMER I HAD NEVER HAD AN ACCOUNT WITH THEM BEFORE TILL XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
Contacted Bank of America after being told I could never open an account. I was robbed have proof that supports my claim. I have gotten nowhere. My next step will be to have my lawyer file intent to sue letters, in which I will seek to have this resolved if not done so in a timely manner.

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 2018-04-17
Company: Direct Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/18 - This company ( Direct Recovery Services ) has my email, personal address, work number, and home phone number yet contacted a friend I haven't seen in 6 years at a number I did not reference for this loan. The loan in question was a payday loan of which the number that was called was never referenced on the loan application. The representative ( a XXXX XXXX ) called the friend and left a message on his voicemail with regards to my name, his company and the fact I had money owed, the amount, and why the payment didn't go through. The rep never clarified he was contacting my number but left the message anyway, of which is a violation of federal law. I received a text message from my friend with the subsequent voicemail left by XXXX XXXX from Direct Recovery Services. His message stated " I am trying to reach XXXX XXXX ( this is not a clarification nor did he confirm who he was talking to ). This is XXXX XXXX from Direct Recovery Services. I am calling about the payment arrangement of $ XXXX which didn't go through. I need a phone call at XXXX as soon as you get this message '' I have no problem paying the debt ( payments have gone through fine, this one in question did not and is being rectified ). I called XXXX XXXX back at which time I was berated about paying debts and " this wouldn't happen in the first place '', which I took as his breaking the law and contacting a friend or relative to discuss a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
At the end of XXXX and the beginning of XX/XX/2022 I submitted a payment for my XXXX XXXX credit card for XXXX XXXX It was a time when XXXX XXXX was converting from Synchrony Bank to XXXX. The personal check was issued to Synchrony Bank. The money was withdraw from the account on XX/XX/2022 ( see attached documents ) by Synchrony Bank XXXX never acknowledged receiving the amount of XXXX XXXX Every month I am receiving a XXXX XXXX credit card statements from XXXX for that amount including late fees every month. I am not using this card since the issue started back in XXXX XXXX. I made numerous calls and spoke to so many customer service representatives, relationship managers and supervisors, but they were not able to resolve an issue. The were keep reopening the cases one after another over the XXXX past months with no resolution of the problem. As per XXXX, they never received the money and as per Synchrony Bank, the check for XXXX $ was returned to my personal account. The check was never returned ( see attached documents from my bank and the letter from bank manager ). Synchrony Bank keeps telling me that the money was returned to my bank, but they are not able to provide me or my bank with the proof. They acknowledged they experienced so many issues during the conversion period, yet they do not want to take responsibility for the missing money. As of right now, XXXX  months later, both Synchrony bank and XXXX say they are unable to resolve the problem and they expect me to pay XXXX $ again.

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 2019-07-23
Company: SYNCHRONY FINANCIAL
State: MT
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 Tuesday, XX/XX/2019 I called Synchrony Bank because I viewed on my credit report 4 hard hit inquires & the only recent credit I received was " Care Credit ''. I was transferred to " XXXX '' in the " Fraud Unit '' in XXXX, Arizona. He was professional and took his time to try and resolve the matter informally. After " XXXX '' advised me he couldn't locate any inquiries, I respectfully requested that since the hard hit inquiries were not able to be verified and made for permissible purposes that all inquiries be removed from my credit report. XXXX told me that he was going to contact a different department and get instructions. When XXXX returned he advised me that the inquiries were not able to be located and that I will need to contact the credit bureau 's. I advised XXXX that I did previously and they told me to contact the creditor. I will not continue to go in circles and have my credit score be reduced by 6 points. If Synchrony does not remove the following hard hit inquiries from all credit reports I will file a law suit in small claims court for Synchrony knowingly & willingly violating my rights granted to me under the Fair Credit Reporting Act ( FCRA ). 

Hard Hit Inquiries XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 Cc : XXXX County Court House XXXX, Montana 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 2023-10-12
Company: Experian Information Solutions Inc.
State: NJ
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 2023-08-21
Company: EQUIFAX, 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:
I disagree with the results of your recent verification pertaining to the items reported on my credit account. I had initially lodged a dispute regarding this item, and I wish to address certain aspects of your verification process which I believe require further examination. In your response, it was mentioned that my claim is disputed, and a request for VALIDATION and PROOF OF CLAIM of the alleged debt was made in accordance with the Fair Debt Collection Practices Act, Furthermore, as a consumer invoking my specified remedy and as the original creditor, I understand that my request for VALIDATION and PROOF OF CLAIM is in accordance with applicable regulations, but I would appreciate further clarification and specific documentation in relation to these demands. Specifically, I kindly request that the certified copy of the original contract bearing my signature be provided, explicitly naming your company as an entity authorized to enforce a commercial claim against me. The notarization process, as mentioned in my initial communication, remains of great importance in ensuring the accuracy and authenticity of this documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-27
Company: Experian Information Solutions Inc.
State: CA
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: Received unwanted marketing or advertising

Complaint:
Experian 's website is designed with a series of warnings and " official looking '' notifications that are designed to influence the consumer to purchase products that can sometimes be covered with free services. For example, on my file, it says in bold letters that my file is " unlocked '' eventhough I put a credit freeze on each bureau. I'm an attorney and businessman and didn't know the difference between a lock and a freeze. More importantly, Experian does not make it easy for me to find my credit freeze and modify it ( as XXXX  does ). As a result, I was unable to provide an open window into my report for a bank loan. I urge you to compare the credit freeze functions and customer-centric design of Experian to XXXX. Experian is misleading consumers for profit. It must stop, and they must make it clear where the free credit freeze services are located. And, if they are only by phone, they must be on line and adjustable. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation