BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: GOLDMAN SACHS BANK USA
State: NM
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022, I was charged {$470.00} on my GM Rewards Card with Goldman Sachs. It was an unauthorized and fraudulent charge. I have been trying to resolve the dispute with Goldman for a year and a half at this point and they are still forcing me to pay a fraudulent charge. The merchant is listed as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX. I would like this investigated and resolved. Goldman has refused to help me, is making me pay a charge that I didnt authorize. All I want as a consumer is to not be forced to pay for a charge I didnt authorize. Theyve asked me for evidence to prove this is a fraudulent charge. I have never been asked for such evidence by a credit card company. How am I supposed to provide evidence for a charge I didnt authorize? Goldman has made me go on a wild goose chase for XXXX years. I want it to stop and I want the credit card issuer to cover this fraudulent charge, which I didnt authorize. If a credit card company refuses to cover fraudulent charges of its consumers, it shouldnt be in the credit card business

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
State: IL
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:
I recently checked my credit report and saw several accounts reporting that I do not recognize and did not authorize. This false information has stopped me from being able to purchase a home, car, obtain credit, and create the life I am trying to provide for myself and my children. It is practically ruining my life.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: FL
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 have been patiently waiting on their response to the written request I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the crdit bureaus, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Incorrect Information : XXXX XXXX XXXXXXXX, FL XXXX ; Accounts : XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX XXXXXXXX ; Inquiries : XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX XXXX XXXX Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX  Inquiry Date XX/XX/2023 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 2023-10-06
Company: MOHELA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
In XXXX, I applied and was accepted for an XXXX plan through studentaid.gov. This was sent to Mohela to be implemented, and instead Mohela put me on the XXXX plan which would cost over {$400.00} more a month. 

I contacted Mohela and after extensive wait times was told that " somehow '' I was put on the wrong program and that the only solution was to reapply for the program, have my loan put on administrative forbearance, and wait for my application to be processed and my payment amount changed. 

Payments are due XX/XX/XXXX, and currently it's estimated that my application will be processed in XXXX. While the forbearance means that I will not be reported as delinquent, it also means I can not enroll in automatic payments to get a reduction in my interest rate. 

I find it ridiculous that Mohela, owned by a state government, can sue to block loan forgiveness and then fail to adequetly staff their company to process applications in a timely manner. My loans will now be earning additional interest despite me filling out applications in plenty of time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: TX
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:
Experian has been notified by me in letter form as well as here on the CFPB platform of serious violations of my consumer rights. These items include violation of 15 Us Code 1681e ( b ) and 15 US code 1681i ( 5 ) which states that items on my report must be 100 % accurate. Three items violate this consumer law and Experian has ignored my attempts in notifying them of this violation by ignoring my letters and by making a blanket statement of verification when they have not provided how these items are being verified or if they have any of these items contract with my wet signature proving that this is in fact verifiable as My account. Also, Experian is violating 15 Us code 1681b by reporting a Collection/Charge off with a balance on my account. This is a huge violation because 15 us code 1605 states that companies have Insurance built into their finance charges to protect lenders which means if this is a collection or charge off the company has received compensation and should have sent me a 1099c for this canceled debt. I have never received this 1099c but I am still having an issue with Experian reporting this to my Credit profile. These violations can not go unnoticed and I will file a lawsuit.

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 2023-12-12
Company: KEYCORP
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. 
Money was transferred from my account via debit card, and through an intermediary named XXXX in the total amount of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

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 2023-08-08
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase Bank never contacted me to inform me that my account was closed, or how to make payments. After speaking with a representative, they told me my account was closed in XXXX and they sent a notice about it. I asked them to resend the original notice so that I could understand why my account was closed and how I could reconcile. The notice they sent me simply said this confirms your account was closed with no explanation or information on how to pay off the account. They disabled the ability for me to see statements or make payments on their mobile banking. I believe they are attempting to scam me by not providing adequate information and revoking access to the ability for me to pay my account off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX i disputed item from my credit report as fraudulent it was blocked for a week then reappeared again as open account when i talked with both credit bureaus and creditor which is capital one today on XX/XX/22 i talked to capital one on recorded line where the fraud investigation team reassured that upon investigation they came up to conclusion that the information was inaccurate and should be erased from credit but nor creditor nor credit bureaus took action it still shows on my credit and from my end i took all the requirements such as filing an ftc report and police report and provided all necessary information to prove that it was opened without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
As a member of the bank for close to two years I noticed that my institution is avoiding that they are insurance backed ( FDIC ) for my safety. Relatively speaking on a more recent case I the customer have submitted a case in the amount of {$610.00}. To sum up this incident, The merchant ( XXXX XXXX XXXX ) sold me a product that was not described. I immediately contacted my bank to file a claim and to let them know that I am immediately returning it and also to point out that the sale was frivolous. The bank then took my claim and processed it. They went back and fourth with merchant without involving or taking my allegations serious. I the CUSTOMER had to do ALL of the hard work providing documentation and also directly putting myself in harms way by personally asking for documents directly from the merchant which my bank should've done. Recently speaking I called my bank to escalate claim because at the moment they were dragging feet and also didn't want to provide me any updates for over a month. The Bank asked me the consumer to submit documentation, I provided a receipt from merchant siting that items were returned on XX/XX/2023 and was time stamped also, Merchant also provided me with a document stating they were not disputing the claim because items were returned. Since claim was filed before merchant received items they provided me with all document that items were returned and also that my bank should return my funds per investigation ending. The merchant did it this way to prevent double credits which would incorrectly increase account balance and be taken back on a later day by banking institution. As for my Banking institution everything was provided to them to credit my account. The bank answer to me was they denied the claim. Bank was given all information to return my money on there own through dispute especially after merchant agreed.

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 2023-12-12
Company: TD BANK US HOLDING COMPANY
State: GA
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:
My name is XXXX XXXX XXXX XXXX, and I am writing to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries may not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Birthdate : XX/XX/1994 FTC Report Number : XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards. I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that TD AUTO FINANCE conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that TD AUTO FINANCE will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a security deposit refund check from my previous landlord on XX/XX/2023 named to everyone on the lease. The check was for {$4300.00}. Everyone signed the check but my checking account was frozen and later closed without the funds being released to me. If I hadnt called Chase would not have informed me they needed to verify the other names on the check. However, they could only verify them using their system and no one came up in their system not even the apartment complex that wrote us the check. According to Chase we could not all come to a branch with the check and multiple forms of ID to prove it was us who the check was made out to. The funds are now suspended and Chase says they cant do anything to release those funds to me since they were never verified. This has caused emotional and financial strain on everyone named on the check. We have exhausted every other possibility to get those funds. I have called Chase multiple times, my previous landlord, and the issuing bank, XXXX XXXX XXXX, to resolve this issue but they all say it is out of their hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
In XXXX, we got a call by the Chase bank on XX/XX/XXXX that they has cashed an IRS check dated XX/XX/XXXX for XXXX ( our company tax return check ) and advise we contact IRS to reissue a check to us. IN the phone call, they provide us with the check number and issuer and the person who cashed the check. 

We had reach out to IRS through our company accountant and submitted a 3911 from and follow up on the re-issued check since then. We have follow up twice on XX/XX/XXXX and XX/XX/XXXX We had finally received a respond from IRS that the check has been cashed, so the case is closed on XX/XX/XXXX. 

We have reached out to Chase and the branch manager search their record and shows the account has been closed by chase and flagged as account with suspicious activity back in XXXX and not active. I was advise they can't further assist me since I don't have an account with them. 

Chase has cash a government check that is not negotiable to a person that is not my name and is not responding to my request to have any further clarification or assistant, and said the only check issuer ( IRS ) can request information on this matter. 
It is my understand IRS will not act on this if they never report this to IRS as a check that has issue. 

Please let me know if you can assist us since we have not getting any

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: American First Finance, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello I was XXXX when these accounts were open I have police report to confirm I ask that these things get removed from my credit file immediately as it have cause pain and suffering to my life thank you and god bless

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
Company: Flexible Finance, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX was informed about a late payment reported on my file by FlexFinance XXXX 2022 on XX/XX/XXXX. I still have not heard from XXXX regarding the outcome of that complaint yet alone the other login issues Ive been having.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Act ; XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2022-09-12
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
My account was opened on XX/XX/22 with the promotion : Open an M & T XXXX XXXX or XXXX checking account and receive a sign up bonus of {$250.00} when you set up a qualifying direct deposit of {$500.00} or more within 90 days of account opening. 

On XX/XX/22 I received a Direct Deposit from my employer in the amount of {$1000.00}. 

The promotional bonus was due on XX/XX/22 yet it has not been credited to my account.

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 2023-08-16
Company: EQUIFAX, INC.
State: IL
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: NV
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 unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}

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 explanation