BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and XXXX. Here is my tracking number : XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 


According to the law XXXX5 U.S. Code 1681 - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Credit Wise Recovery Solution LLC
State: WI
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:
I owned my XXXX credit card since XX/XX/XXXX ( 100 % payments, never late ). In XX/XX/XXXX I have changed my name, which I have informed XXXX and they send me a new card with my new name ( not sure if it's relevant, but that was the last time when XXXX XXXX stopped reporting on Credit Wise ). 

XXXX : In XX/XX/XXXX I have been informed on CreditWise that my credit score dropped 50 points ( just made my 100 % payment before the due date, no other changes were made to my accounts at that time ). When I studied closely my credit report on CreditWise, I have found that XXXX payment was reported from XXXX, and also myXXXX XXXX XXXX reported ( only on CreditWise ) debt over my credit limit. However, my financial aid ( latest from summer XXXX ) was reported correctly and other XXXX XXXX was also recorded correctly. The CreditWise website mentioned that thay have pulled the information from XXXX credit report company. I have immediately checked my XXXX account, where everything was correct. I have also pulled my credit reports from XXXX, XXXX, and XXXX, where everything was also correct. 

To sum up, everything was completely correct, beside Credit Wise report of my XXXX XXXX account ( not reporting from XX/XX/XXXX ), and the amount ( even over my credit limit ) of my XXXX XXXX, which I haven't used for over a year. 

So, I have been advised to send a letter explaining this problem to XXXX, which I did. Nothing happened until XX/XX/XXXX, when I have try to use my credit card, which was declined. I immediately called XXXX XXXX. I have called them 3 times more to XXXX XXXX. They told me that my account was closed, so they can't tell me anything. I have even been promised by manager to call me about this problem. Later, I have received a letter that they find my claim FRAUDULENT (? ) and they will close my account. 

I have tried contact XXXX XXXX again after I have received the letter, and I have been told : " We have been advised to not to tell you anything ''. 

I understand that credit card companies can close an account without a reason, but I want to know WHAT WAS FRAUDULENT? As my credit score dropped 100 points, I want to know what actually happened?

Company response to consumer: Untimely response
Consumer complaint received 2023-09-02
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XXXX I purchased a new XXXX. I attempted to connect the Apple XXXX to my bank account. In the process, it asked a number of financial questions. Unbeknownst to me Apple and Goldman Sachs opened a credit card in my name. Sometime in XXXX I received a collection for a {$25.00} charge for XXXX that I have never made. I disputed the charge with Goldman Sachs and asked they provide a proof of the charge. I also canceled the credit card as I had never consented to it. Goldman Sachs never provided any proof or supporting information that I had made a charge. They bizarrely insisted I did. 
I did not make the charge, nor anyone I know. 
It was completely fraudulent. Despite my exhaust of efforts to dispute the charge with both Goldman Sachs and Apple XXXX, I was stonewalled with no reply, or a denial of my request, stating i agreed to the charge. I did not. I went through the extra effort of writing to the president of the company with absolutely no reply. It began to appear on my credit profile and affected my credit score and I paid the {$25.00} under protest to clear my credit. Regardless, it remains on my credit to this day as a collection account in violation of all my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: FinCo Services Inc DBA Current
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
We opened a teen account with Finco Services , Inc. d/b/a Current that has an annual fee. That account was no longer desired, and we attempted to close it. When we opened the account, the parental funding source was verified. During the time we had the account our bank was purchased and/or merged with another bank. My funding sources with Current then accordingly needed to be updated. Current now claims it is unable to verify my bank account as a funding source and is unable to close our account until funds have been withdrawn. Yet Current provides no opportunity or option to easily withdraw my funds. 

I have chatted with multiple representatives, and all of them have been unable to assist. They all just tell me the easiest way to withdraw money is through my ACH XXXX XXXX, but they do not recognize that their platform is unable to verify my funding source. The effect of this is that my money is being held hostage by Current. I spent all morning on XX/XX/22 with several representatives. The first one explained that a record of the chat would be stored so that I would not have to start from the beginning with a new rep. The second rep advised that no records of chats are stored. I finally had a representative allegedly agree to process a paper check, but I will not be receiving a check for at least 14 days, and I do not have faith that I will receive that money. The total os {$490.00} of my child 's money. A review of this website and Current 's social media websites reflects that a number of people have the same complaint about the difficulty of closing an account with them and retrieving money out of accounts. 

I also advised them that I have attempted on multiple occasions to close the account to stop being charged the annual teen account fee, and yet I have been charged that fee repeatedly without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: AL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-09-02
Company: Affirm Holdings, Inc
State: NC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023, I received an email notification from Affirm that my account was nearing 60 days past due, at which point my delinquency may be reported. The email also stated to resolve my outstanding payment today. I then called Affirm and spoke with a representative who stated that Affirm does not report 30 day delinquencies, but does report 60 day delinquencies. The representative also said that a payment was needed to be made by XX/XX/XXXX to prevent the account from going 60 days past due and avoiding a possible 60 day late credit mark. On XX/XX/XXXX, I logged into the Affirm website and paid off the loan in full. Unfortunately, Affirm still reported the account as 60 days past due. I previously disputed this through my XXXX credit monitoring file, but Affirm did not correct their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Lendmark Financial Services
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I got my loan in XXXX XXXX Texas. It got transferred to XXXX tho. When I was offered to refinance. I couldn't because my income from my loan was not what I submitted. I had never seen them before showing I made so much more than I really did. XXXX tons them I got paid cash. And now I'm stuck in this loan and if something comes up. I can't ever refinance if because the XXXX XXXX branch Lendmark financial made fake income verification for me just to book a loan. In fact I know quite a see people who are in the same boat as me. We all got our loans in XXXX XXXX Texas too. Told us so much lies to get it on top of fraud. Now we all screwed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX erroneous inquiry dated XX/XX/2019 should be removed from my Experian credit report. The credit card was approved on XX/XX/2019 based on my application submitted on XX/XX/XXXX when my credit was verified, so this is an error.

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 2020-10-01
Company: Experian Information Solutions 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:
Date : XX/XX/19 Amount : {$1200.00} Action Taken : I asked the credit bureau to remove this account because the creditor does not own the account anymore. It states it was transferred and purchased by another lender.

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 2022-01-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
i was defrauded through my checking account and the use of XXXX through the chase platforn< i thought i had protection from the institution but they said i was scamed not defrauded.. there fore they put the money back in my account and then reversed that trasaction. im a XXXX  citizen and i think there industry is disingunuos about scam vs fraud..i believe if that was the case and they were upfront about it people wouldnot deposit money into their checking accounts ... ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a citizen student checking in XXXX and there was a promotion " Summary : This offer has returned, and is now valid until XX/XX/2023. 
Get {$300.00} when you open a new personal checking account and make a direct deposit of {$500.00} or more within 60 days. 
Then, earn up to {$100.00} more when you use your newly issued debit card to make purchases. Earn {$2.00} for every qualified transaction within 60 days of opening your account, up to {$100.00} maximum. 
XXXX XXXX XXXX XXXX XXXX XXXX   I made a deposit and met the all requirements. The customer service said the promotion would come at XX/XX/XXXX. However, my account was closed at XX/XX/XXXX. They said I am not qualified for this promotion any more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2018-01-11
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been paying on my student loan for 9 years, and recently noticed the total balance barely changed. Went to Navient website XX/XX/XXXX, and exported entire loan history to XXXX. Using the information provided I determined I 've been paying an average of 55 % interest since XX/XX/XXXX. 
I can not get any explanation with online tools and can not hold long periods of time on phone with automated system. Finally, appropriate email contacts are difficult to find or not published.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been getting garnished from my student loans for the past 2 years. They will not work with me to get a smaller paymt. 
I have applied for XXXX   employee forgiveness I have been a XXXX  employee  in XXXX XXXX/XXXX for over 10 years it will be 13 years in XX/XX/2020. Prior to that I was in XXXX   XXXX  in XXXX for XXXX XXXX XXXX for 4 yrs. 

I feel I qualify for this forgiveness program others at my work have qualified and have never paid any money back to their loans. I have paid over half my loan back by being garnished but paying back money should not matter how it get s paid voluntary or garnishment wise. 
I need help this is not right or just.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 WANT TO DISCUSS THE MATTER AS TO WHY THE NEGATIVE ACCOUNT FOR XXXX BANK XXXX XXXX XXXX STILL REMAINS UNDER XXXX AND TRANSUNION, WHEN XXXX WAS ABLE TO GET IS REMOVED. THERE HAVE BEEN SEVERAL ATTEMPTS AT GETTING THIS ACCOUNTS COMPLETELY REMOVED FROM MY REPORTS SINCE I STARTED DISPUTING ON XX/XX/2017. ACCORDING TO THE FCRA IF AN ACCOUNT IS NOT VERIFIABLE ACCURATE, NOR COMPLETE THE ACCOUNT HAS BE REMOVED AS SOON AS POSSIBLE. THIS HAS BEEN ROLLING FOR WAY TOO LONG, AND I FEEL NOTHING HAS BEEN DONE BY XXXX OR TRANSUNION. PLEASE REMOVE THIS NEGATIVE ACCOUNT FROM MY REPORTS, IT'S GETTING IN THE WAY OF ME ACHIEVING MY GOALS.

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 2023-09-02
Company: Credit Karma, LLC
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday XX/XX/XXXX I randomly received an email from Credit Karma stating my Money Spend account was frozen and to contact support. I contacted customer service to find out why it was frozen and no one could tell me why. I then asked how long the issue could take because I needed access to my funds. Once again nobody has a standard timeframe on anything. I contacted them multiple time to try and find out what made them freeze my account and kept getting the same response of they dont know why and a special team is investigating and Ill hear back. I called by phone and requested a supervisor who couldnt answer my questions either. I expressed to them I needed to speak with someone who does has answers because I needed access to my funds to pay bills and need to know why it was frozen and what needed to be done. Still no resolution. I asked them how much is there to investigate when the only transaction on the account was a direct deposit that hit the account that very same day. I told them the name of the deposit, my fiancs name ( his direct deposit ) and told them his address ( which is the same as mine, address thats associated with my credit karma account ). The supervisor even hung up the phone in my face which is very unprofessional. Here it is over 24hrs later and I still cant access my funds nor does anyone still have any answers. I have XXXX kids, XXXX who are still in diapers/pull-ups. This is a huge inconvenience and a company shouldnt take this long to resolve issues concerning members funds. This jeopardizes peoples livelihood when you cant even purchase necessities to live on a daily. They need a better and quicker process on how they handle this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send these letters off and spent my hard earn money. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. I am begging for help at this point!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2020-01-02
Company: M&T BANK CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please refer to original case number XXXX. 

M & T guaranteed to remove the incorrect information from my report. I have the letter in which they indicated that they would update all credit bureaus in regards to fixing this issue. 

In XXXX of XXXX, my XXXX XXXX was totaled by a large truck on XXXX. XXXX deemed it as a total loss and paid off my car with the exception of about {$300.00} or so. I advised M & T that I was waiting on the GAP insurance to be processed, but because I kept getting threatening calls, I paid them off. Eventually they sent me the reimbursed amount in XXXX for about {$300.00}. The account was closed with a XXXX balance with a good standing. It was removed from all reports, but I received an alert from XXXX   that it was back on my report. My installment loan was for an account that is identified by the following 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