BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2022 I attempted to purchase Gasoline with XXXX Bank of America XXXX XXXX XXXX card. The card was denied. I called a Bank of America XXXX XXXX XXXX on the phone. They indicated that Bank of America was not denying the charges and it was on the consumer end that my card was being denied. I purchased gas at XXXX XXXX XXXX XXXX at XXXX gas station on the same night for approximately $ XXXX. On XX/XX/XXXX, I attempted to make a purchase of approximately $ XXXX at a service station. The card was denied. The clerk tried the card XXXX times. This was after Bank of America assured me that they were not denying the charges. I've attempted for XXXX days to get through to the customer service department to clear the issue. I also used the chat feature which is absolutely no help. The customer service is atrocious and abysmal and the wait times are forever to speak with someone.

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 2022-09-28
Company: EQUIFAX, INC.
State: NY
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I investigated my credit report, I realized that some of the information was erroneous. The Equifax and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable item/account/information below : XXXX  XXXX Date Opened XXXX XX/XX/2017 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: MD
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:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Tuesday, XX/XX/2022, I was approached by a stranger who seemed to have an issue with depositing money into his bank account and I was persuaded to help him simply deposit his checks into my bank account and exchange the amount of money in the checks for cash to give to him. We were located in the Chase bank on XXXX XXXX XXXX in XXXX, using one of their ATM machines, and the stranger had 4 checks of {$990.00} each ( totaling up to {$3900.00} ) and he deposited it into my bank account. In return, I took account the same amount of money at the counter since it didn't withdraw from the ATM machine. It did not process in my mind that the checks could be fake and I would be a victim of check fraud, ultimately losing my money and having a fake check be framed under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
For the last year I have been trying to get in touch with the Public loan forgiveness department under fedloan servicing. Fedloan servicing is the worst loan servicer and company I have ever had to deal with it. I want more information on how to get more credit for months when I was working at XXXX and when I ask an agent to speak with the Public Loan forgiveness department, they place me on hold for two hours and hang up on me as soon as someone picks up the phone. I have not been able to reach anyone for over a year to ask about the PSLF waiver update and how to be able to use it. Specifically the PSLF department at fedloan servicing is not responsive. Today on XX/XX/22, I called again and after over an hour of waiting on hold for that department, a horrible customer service representative answered the phone and refused to identify her name and refused to even confirm that I reached the correct department. 

It is very difficult to get the full advantages of being in the public loan forgiveness program when customer service in that department at fedloan servicing is so unhelpful and it is not possible to get any information. This representative was very nasty and refused to give me her name. However in general it should not be so impossible to get in touch with someone from this servicer. They are not helpful with any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # Bankruptcy XXXX Bankruptcy XXXX has 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 a 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 2022-09-28
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had {$280.00} in my account before it was closed because they said I wasnt in compliance with deposit agreements. The only deposit I get is from my job. I also had a refund that was supposed to be deposited from XXXX when I didnt receive a product from them. This bank is with chime ands Ive seen multiple people say their account has been closed recently also. I emailed them because they said thats the only way I can get it resolved but its taking a very long process and I need my money back ASAP so I can pay rent I will be having a baby soon and need the money I worked for its very stressful and inconsiderate of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: MONEY SOURCE, INC., THE
State: OH
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 have been dealing with The Money Source for 4 months trying to get them to report that my mortgage with them was Surrendered through my XXXX  XXXX XXXX. The XXXX was closed at the beginning of XX/XX/2022 and they keep reporting it as 150 days late and sending me letters and receiving phone calls. I have spoken with them at least 8 times and I have gotten hung up on multiple times and lied to that the problem was fixed. They told me to email them all the information from the court and that they would correct the problem but have not. I came out of the XXXX with a 700 - 730 credit score and because of this, I am now in the low 500 scores. I have tried to repeatedly fix the problem with the credit bureaus but The Money Source lies and tells them it is correct. 

Please help me I have spent days trying to get this problem fixed. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Sequium Asset Solutions, LLC
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:
My realtor checked my credit profile and there is a collection on all three bureaus for {$500.00} from SEQUIUM ASSET SOLUTION. ALLEGED ACCOUNT # XXXX that does not belong to me I have lived at my address for 41/2 years I have never had XXXX XXXX 
DEMAND FOR VALIDATION AND PROOF OF CLAIM This Notice is being sent to you in response to the reporting on my credit profile which is not VALID. Be advised that your reporting is being disputed and validation and proof of claim of the disputed debt is requested in accordance with the The Fair Debt Collection Practices Act,15 U.S.C. 16921692p, and as amended by adding the following new Title 8 USC 802., and the Fair Credit Billing Act, 15 U.S.C . 1666- U.S.C . 1666- All of which work in conjunction with each other, including the Truth Lending Act ( TILA ) 15 USC 1601 et seq.

In accordance with the Fair Credit Reporting Act Alleged account #, has violated my rights. 15 U.S.C 1681 section 602 A. { States I have the right to privacy. 15 U.S.C 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 2022-09-28
Company: Payment Resolution Services
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a false and misleading refund demand requesting direct payment to Payment Resolution Services , LLC ( PRS ) ( who is not a fiduciary ), conspiring with XXXX XXXX ( qualifying as a fiduciary ), fabricating an alledged claim benefit overpayment of a previously paid medical claim totalling {$11000.00}. XXXX and PRS are aware that such acts fail to align with protected benefits and rights due the insured consumer as documented under applicable plan documents, state and federal laws. However as part of its scheme and without notifying the insured consumer and its plan sponsor providing benefit coverage, XXXX and PRS act in disregard of these consumer protected rights, in exercising its scheme with a focus on their own financial gain. Based on our understanding the scheme results in the wrongful financial gain of both PRS and XXXX which promotes suspicion of and may involve acts that qualify as an unlawful kickback type arrangement, financial fraud, mail fraud, wire fraud and other know prohibited transactions. As recent courts support such systemic use of refund demand and corresponding cross-plan offset schemes are commonly used by insurance companies qualifying as fiduciaries, as a deceptive method to intentionally co-mingle plan funds and recover for its own financial gain, benefits due and owed its insured clients and healthcare providers afforded such benefit payments for healthcare services rendered in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: MS
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX5 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have tried really hard over a month to work out the issues with Marcus and even when I get a sensible person in their customer service, which is very rare these days but still possible, they seem to be powerless in doing anything. 

Amongst many other issues that I have already filed a complaint about, they seem to have disabled my ability to instantly link an external account ( using the credentials ). It used to work fine for me but hasn't been working for the past few weeks. All it shows me is a pop up with no message or text on it. I have included an example of this in the attached pdf. 

If that wasn't bad enough, they keep lying to me that it is a technical web site issue affecting everyone. I have personally asked 2 colleagues to check and they are able to use that option. So Marcus agents including their supervisors have no qualms lying to customers on a recorded line. 

After going through layers of incompetency, ignorance, stupidity and bad attitude, you have to just ask for a supervisor to get someone knowledgeable to talk to. I finally got someone sensible named XXXX who finally understood what I was talking about. But she also seemed to be helpless in doing anything. But she was able to verify that it works for others. Only honest agent I have encountered so far. 

Here are the case number I have been given so far. They all go into a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The due date for this case was yesterday and someone was supposed to call me by yesterday but you can guess what happened. It got sucked into the XXXX XXXXXXXX XXXX called GS. And this is after this case was already escalated twice by 2 supervisors. 

Case # XXXX No response either This inability to link an external account using the instant link option has already caused me lot of financial hardship and loss. I have not been able to link my XXXX XXXX  so far because of this There are plenty of other cases/complaints that have gone into a XXXX XXXX For every lie I have been told, I will keep filing a separate complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: LA
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 started a dispute with Equifax due to an error on my credit file XXXX XXXX XXXX XXXX XXXX I have disputed this account for over a year, and I have sent in certified Validation letters pursuant to the FDCPA 1692g Sec 809. requesting Validation of the debt and the method of VALIDATION and all correspondence provided to the creditor ] by Equifax and all documents the creditor has provided to Equifax Validating this debt but instead, all I consistently received was an E-Oscar electronic response stating Verified without any supporting document contrary to my Validation request, I would like this account to be updated as never late PAID AS AGREED or DELETED from my Equifax credit file within 15 days, I have attached my second dispute made online yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
My account is paid in full and no longer open. I have a paid in full letter from the creditor as well as multiple verifications from the company that the loan is no longer active. 

Ive provided this to Experian, XXXX, and XXXX along with documents supporting this as fact. Each time the dispute results have come back with no changes made. 

So its showing my debt as incredibly higher than it actually is which will affect my ability to purchase a home soon.

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 2022-09-28
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: Account status incorrect

Complaint:
My account is paid in full and no longer open. I have a paid in full letter from the creditor as well as multiple verifications from the company that the loan is no longer active. 

Ive provided this to XXXX, XXXX, and Equifax along with documents supporting this as fact. Each time the dispute results have come back with no changes made. 

So its showing my debt as incredibly higher than it actually is which will affect my ability to purchase a home soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPTEDXXXX XXXX DPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Sections 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 explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: WI
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 am a natural person im a living human being i have rights under 15 USC 1681.

EQUIFAX is governed by 15 USC 1681 and they violated my rights numerous times. And i demand that these accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX be removed because. According to 15USC 1681 I have the right to privacy and i did not give equifax written permission to furnish these reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: PA
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:
During XXXX XXXX I missed a few payments on my load. ( XXXX ) XX/XX/2020 the cares act became law. And states if you were not delinquent before this became law then you qualify for protection. Protection from allowing credit bureaus and creditors to report late payments or damage your score I have file multiple disputes with orginal creditor and credit bureau and they choose not to follow the law and remove these. Missed payments after XX/XX/2020 to present need to be removed per cares act and heros act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
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: Credit inquiries on your report that you don't recognize

Complaint:
Improper use of credit report : Late payments posted to accounts

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