BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-01
Company: HANCOCK WHITNEY BANK
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I sent {$100000.00} to my XXXX IRA, missing 18 cents When I wire transferred the 18 cents their bank they chaged me {$15.00} for the 18 cents I am a retired person XXXX years old with a family, and I learned that I need to save even my pennies for my retirement. The bank name is XXXX XXXX XXXX Address : XXXX XXXX  XXXX, XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX My XXXX XXXX  branch in XXXX CA , didnt charge me anything for my wire transfer I need a refund for my {$15.00}, as for me as a retired person, not a small amount Thank you in Advance Blessings XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX CL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Kelsting Group, Inc.
State: CA
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/2020, PACIFIC CREDIT SERVICE added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA, PACIFIC CREDIT SERVICE has violated my rights as a consumer and i'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: GA
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:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: MA
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:
Equifax has violated 15 USC 1681i ( a ) ( 7 ). Failure to complete reinvestigation request and response. This is in reference to CFPB complaint # XXXX but this is NOT a duplicate. Please see attached documentation as proof : Initial Investigation that was claimed " Verified '' Letter to Equifax Proof of received Letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
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: Account information incorrect

Complaint:
I am noticing inaccurate information on my consumer credit report regarding XXXX Bank. Equifax is reporting the account as OPEN with a {$910.00} balance. In the remarks section Equifax is reporting XXXX disputes-reinvestigation in progress with 30-59 days late. I have not received any written notification of this investigation. 
XXXX is reporting XXXXXXXX XXXX as XXXX with a {$1000.00} balance. In the remarks section XXXX is reporting Canceled by credit grantor with 120-149 days late. 
XXXX is reporting XXXXXXXX XXXX XXXX XXXX  for {$1000.00} balance. In the remarks section XXXX is reporting Account closed at credit grantors request with 150 days past due. 
Consumer reporting agencies have a duty to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual while being fair and equitable to the consumer and shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: MA
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or delete these items immediately : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have the GM Card, which is a part of Marcus by Goldman Sachs. My most recent invoice closed on XX/XX/22. My total balance was {$4900.00} with a payment due date of XX/XX/22. My total credit limit for this card is {$5000.00}. I proceeded to pay the entire balance ( {$4900.00} ) on my card via ACH from my XXXX XXXX XXXX account with an effective date of XX/XX/22. The payment applied that day and the current balance on the Marcus by Goldman Sachs account website reflected {$0.00}. In addition, my XXXX XXXXXXXX XXXX account website also reflected the dollars having exited that account on XX/XX/22, with my remaining available balance reflecting the absence of those dollars. The main issue I'm having is that when I look at the Marcus by Goldman Sachs website for my GM Card, it showed only {$77.00} of available credit, even though I had a {$0.00} balance and a {$5000.00} credit limit. When I called Marcus by Goldman Sachs on XX/XX/22 aXXXX XXXX XXXX  EST, I spoke to a customer service representative by the name of XXXX, followed by her supervisor, XXXX. They both said it would take 7 days for my available credit to reflect that I had paid my bill. They said there was nothing they could do. I filed a complaint thru the supervisor XXXX and was promised a call back, and never received one. From personal experience, I have multiple credit cards, some of which have credit limits as high as {$40000.00}. Every single time I've paid a balance due, regardless how large or small the payment, the very next day my available credit reflects that fact. At no point was anyone at XXXX by Goldman Sachs able to explain why they're essentially taking a 7 day interest free loan and not reflecting an accurate available credit limit. In addition, upon reviewing their terms and conditions, there is no mention anywhere in the document regarding a lag in updating available credit after a payment is made. Had I known my available credit would not have been updated immediately, I would have never made the payment effective two days after the statement date. This seems like a travesty and a complete abuse of customers regardless whether the payments made were {$50.00} or {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
My accounts are currently included a chapter XXXX bankruptcy. Per my attorney 's advisement all of my accounts are currently and should be reflecting as such. my largest account is reflecting on my Transunion report as 120 days past due but current on my XXXX. Seeking to make correction to my Transunion report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My payments on a loan modification have been getting higher and higher. I am recently divorced the agreement was I keep all the bills and he let me keep the housr with my XXXX young daughters. The house will go to them. I am struggling to make the higher payments i submitted paperwork for refinance help to seterus inc months ago, more than once. Now seterus has sold my loan to XXXX and they are telIing me I have to start all over. I also have a second mortgage with XXXX an equity line of credit that charged me home insurance when I already had it. My payments went up and I am currently behind I pay but not the amount I now owe which has gone up to almost {$2000.00} I am stressed out of my mind. I do n't know what to do anymore. I was told the interest would n't go up anymore yet it 's gone up again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: SYNCHRONY FINANCIAL
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Good afternoon, On the XXXX of XX/XX/2021 I made a purchase from a fraudulent website that advertised BBQ grills ( XXXX XXXX XXXX XXXX for a discounted rate during XXXX XXXX. They provided multiple avenues for payment, but I chose to use my PayPal credit account for the security purposes for {$140.00} USD. After the transaction was made, I noticed that my receipt was issued from a personal email address instead of the company advertised on the website. I immediately called XXXX and expressed that I felt it was a scam and requested for this transaction to be cancelled. I was informed that they could not cancel the transaction, however they would forward over my issue to the dispute department to rectify the situation. I was then provided credit for the transaction while the dispute department continued the investigation. On the XXXX of XXXX I discovered XXXX found this transaction in the sellers favor and informed me that I had been charged for the transaction of {$140.00} USD. I was told that the seller was able to provide a tracking number stating that merchandise had been delivered to my residence, therefore they ruled in the sellers favor. After speaking to multiple representatives on multiple occasions, I finally realized that I needed help with rectifying this issue. There were multiple red flags during this transaction that I felt XXXX should have been able to recognized to show this was a scam, and I was being honest with my dispute. I'm almost 100 percent confident that XXXX is not advocating for it's consumers as advertised. 

1. The Seller never indicated what was supposed to be delivered. The receipt states GENERAL MERCHANDISE, which is a RED FLAG. 
2. The Seller used 2 different email addresses during this transaction and dispute, when XXXX accounts are only supposed to be associated with 1 ( attached ). 
3. The fake tracking number that was provided states it was 2LBS, this was a website selling grills which would be much heavier than 2 lbs. 
4. Also, after continuously searching for help, I discovered an online thread that indicates that this is huge problem that facilitates around the way XXXX not protecting its customers. Ive attached the thread to this email. ( https : XXXX ) I am respectfully requesting your assistance in this matter. Unfortunately I have not been able received any assistance from XXXX or its representatives. 
Thank you in advance,

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 2023-01-01
Company: Solar Mosaic LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
It starts with Solar XXXX XXXX. They initiated the process of selling me solar panels. They put them on my roof but never set it up properly. They won't fix it, employ unqualified people, and it's been several months. 
Mosaic is the loan company trying to charge me {$26000.00} for the loan while I haven't recieved what was promised. 
Mosaic has notified XXXX XXXX debt collectors that I haven't made any payments and will IMPACT MY CREDIT. On what planet is it okay to put a decoration on someone's roof for XXXX? Thats what the solar panels are if they aren't functional. I talked to the solar XXXX XXXX workers, I am not the only person. They said some people have been waiting 8+months for an install. 
This can not be allowed to continue. Solar XXXX XXXX and mosaic are scamming people that want to better the environment by switching to solar.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: CA
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXXXXXX 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 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 XXXXXXXX have violated my rights .

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-08-24
Company: EQUIFAX, INC.
State: CA
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX have violated my rights .

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
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:
These collection accounts being furnished and reported by XXXX XXXX XXXX are hereby reported as fraudulent accounts to the FTC and the NC Department of Justice Law Enforcement Fraud Investigators. 

XXXX XXXX XXXX are fraudulent and have been actively furnished unlawfully by XXXX XXXX XXXX. 

Remove immediately! 

The collections accounts being reported to the credit bureaus, after XXXX plus disputes, and laws violated against me were never investigated properly nor were the accounts ever validated properly even when an attempt of validation was sent to me XXXX years after the credit bureaus unlawfully allowed these collections to stay on my credit files even after XXXX plus complaints filed with you and over XXXX complaints to the CFPB in numerous times asking for validation of these collections and a statement of what services that I had allegedly received in XXXX  to warrant these claims by XXXX XXXX XXXX giving you all as a whole numerous times to take take appropriate action per U.S. laws and state laws and i continue to contend i have no knowledge of these two debts that this rogue lawless collection agency has furnished derogatory information and never once after XXXX plus companions properly or successfully provided any documentation to me that is required by law and have put themselves in great legal peril because their actions have been unlawful and the Equifax, XXXX, and XXXX will be held legally accountable once I have my day in court with this out of control collection agency that has demonstrated deception trade practices at a whole new high according to law enforcement officials i have spoken to. 

Furthermore, these two collections are unlawful and you all are liable for your actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I have two CD accounts in Citi Bank which I opened two years before ( Renewed on XX/XX/XXXX for another 1 year ). Currently it has balance of XXXX USD. Both these accounts are matured in XX/XX/XXXX and it is automatically renewed for another 1 year. As I needed money for some personal need, I decided to withdraw the money in the month of XX/XX/XXXX and I approached Citi Bank. But now they are telling me that I have to pay penalty for the closure of these CD accounts which is more than the double the amount of interest I got last full year. I am complaining about this because Citi Bank doesn't provide any option for the customers to stop automatically renewing the CD and customer has only one week time window to withdraw the money after maturity. If you miss this window, account automatically renewed for another 1 year and if you need to close the account, you have to pay the penalty.

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