BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-06
Company: GOLDMAN SACHS BANK USA
State: MN
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:
For the last 3 months, basically as long as XXXX has been the processor, my payments have been posted up to 2 weeks after the date sent, resulting in late fees and interest charges. In this last case the payment was admitted to have been received XX/XX/XXXX and yet not posted until XX/XX/XXXX. Each time I needed to contact the processor and explain to have the charges deleted. They admit the payments have been received before the processed date but still assess the fees and interest. I can't believe my bill processor 's transmittals can take that long to be received! I've had this card for 35 years, under other processors, with next to no problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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: Reporting company used your report improperly

Complaint:
According to 15 USC 1681 b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, the consumer, have given no written instructions. XXXX, Equifax, XXXX XXXX allow inaccuracies to be furnished on my consumer report. These inaccuracies make me lose confidence in the banking system. This is not fair to my credit; according to 15 USC 1681 ( a ) ( 1 ), the banking system is dependent upon fair and accurate consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
According to 15 USC 1681 b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, the consumer, have given no written instructions. XXXX, XXXX, Trans Union allow inaccuracies to be furnished on my consumer report. These inaccuracies make me lose confidence in the banking system. This is not fair to my credit; according to 15 USC 1681 ( a ) ( 1 ), the banking system is dependent upon fair and accurate consumer reports.

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 2017-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
XXXX   XXXX   XXXX   XXXX   XXXX  shows me as 90 days late on a payments from  2015 . All  XXXX  credit reporting agencies show different months however I have never been late on a payment. In fact I have paid more than the amount due every month so a delinquent amount is not possible.

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 2021-09-23
Company: EQUIFAX, INC.
State: MI
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 have contacted Equifax several times regarding this account being reported incorrectly and they have yet to resolve it. I finally contacted the company to receive a letter showing that it is reported incorrectly and have mailed it Equifax, three times. In the meantime they have done nothing with it. They are confusing this account with an open account that I am an authorized user on, they need to pay attention and read the letter and they will see the correct account! This is ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: EQUIFAX, INC.
State: DE
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:
Equifax is reporting an unpaid tax lien in the amount of XXXX. I filed a dispute stating its not my account, they investigated and just updated my report but did not remove it. When I contacted the courts that placed the lien, I was told when they did a search on my name, the lien came up but when they compared it with my social security number, the lien was n't there. I explained this to Equifax and said they placed this on the wrong person and was told they would not remove it until the courts contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This is a formal complaint regarding the wrongful re-instatement reporting of a collection for XXXX XXXX XXXX initiated by the following 3 agencies XXXX Credit reporting agency XXXX. XXXX XXXX XXXX, GA XXXX Experian credit reporting agency XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, WI XXXX This XX/XX/XXXX I discovered ( negative credit item and account number ) had been re-inserted into my credit file. They are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. <P/>XXXX had removed the collection from my Credit Reports on XX/XX/XXXX In XXXX of XXXX ( 2 YEARS LATER ) I was notified by my credit monitoring service that this same collection was re-added to my Experian and XXXX Credit reports. <P/>I was not notified of the reporting being reinstated over the 2 year period by any party at any time as per the FRCA requirement Cited below :

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 2017-06-23
Company: WELLS FARGO & COMPANY
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Wells Fargo did not honor {$250.00} account opening bonus on their  Everyday Checking product. After being assured I qualified, I was given final denial  over 2 months after meeting qualifications. On  XXXX   XXXX  was assured by rep of Wells Fargo issue would be resolved withi n one bu siness day. Today, the  XXXX  of  XXXX , was denied and told I was not part of their targeted group. You 'd think Wells Fargo of all banks would be eager to rebuild trust!

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 2017-06-19
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a "  XXXX  Credit Card '' issued by TD Bank. I never applied for this card!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
my complaint is regarding few late payments that credit bureau agencies are reporting, on few of my credit cards, which i have never been late, i have mentioned that it ought to be a banking error or a mistake through creditors end, but absolutely not my mistake. please help me to proof this absolute inaccuracy to them. they need remove this inaccurate delinquencies from my credit reporting agencies, such as experian, XXXX and 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 2017-03-30
Company: Total Card, Inc.
State: DC
Product: Credit card
Issue: Application processing delay

Complaint:
I applied for a credit card through XXXX and was approved on XX/XX/2017. During this time I did n't receive my card after multiple times calling in reference to not receiving it I finally received it on XX/XX/2017 and I activated it. I had already been charged the Annual Fee of {$75.00} and a Express mail fee of {$35.00}, so I paid the {$110.00} and then they closed my card. I asked them to re-open it because they had obtained the {$110.00} and after 2 1/2 weeks of constantly being told that it would take 3 - 5 business days to re-open the account, I was told yesterday that I would need to pay an additional {$89.00} before they could re-open my account. This is inconceivable and seems to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
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: Account status incorrect

Complaint:
I inquired about an equity line of credit in  XXXX  of  XXXX  with   XXXX   XXXX   XXXX   XXXX  . On  XXXX / XXXX / XXXX , someone posed as me in front of a notary at the branch signed my middle name wrong and found out the branch  manager   XXXX   XXXX  was n't even a notary under that commission number that show 's on the deed of trust which I never signed. This loan balance is  XXXX  as of  XXXX   XXXX ,  XXXX .  XXXX   XXXX  stole my identity to embezzle {$95000.00} dollars by doing electronic deposits from  XXXX   XXXX . The reason I say it 's embezzlement because those amounts were deposited but never charged to the equity line. I have all the evidence to show the proof of fraud. Never once did I sign or authorize an y one to  use my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid 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:
i submitted a dispute with my credit card company as i was overcharged for a service i subscribed to. i provided substantial documentation demonstrating my overpayment, including documents from the XXXX  XXXX  XXXX indicating this company indicating that they XXXX  had an active alert on this company for overcharging customers per the terms they present to customers. the reason my claim with my credit card company was denied was because they stated i could not provide them with a copy of my original receipt. however, the only receipt i was provided was a screenshot i took on my phone at the time of purchase. this was the only receipt i ever received from this scam company.

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 2022-09-06
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I answered your questions as close to my complaint as I could, but your options don't really fit what I'm complaining about. 

In 2016, because of a large data breach with my health insurance company, and because the thought of identity theft is so abhorrent, I froze my credit with XXXX, Experian and XXXX. Last week, I tried to open a new account with a bank. I learned they couldn't open the account without first verifying my identity with Experian, and that I would need to unfreeze my account. I have spent hours and all six ways to Sunday trying to do that to no avail. I have found online and tried calling a variety of phone numbers for Experian, but all of them get to the same robot/menu operations and I am told ( by the robot ) I can not be connected to an agent. I've been told ( at their website online ) that I can unfreeze my account by setting up an account with them, which I have tried to do numerous times, but something must not be matching exactly ( I have 3 email accounts, 3 different phone numbers, and I have a different mailing than street address, and I don't remember what I used when I froze the accounts ) so I'm not being allowed to open an account, and, therefore, I can't unfreeze my credit. This has been incredibly frustrating. I didn't choose to work with these companies, yet they monitor my credit. Therefore, I would like them to be required to allow citizens to access a real person to assist with problems such as this It is quite serious to not be able to unfreeze your account. Perhaps, filing this complaint will make a difference. Otherwise, it seems my only option will be to write to the company and hope for a reasonable response. By then, the bank 's special CD rate I was hoping to take advantage of will likely no longer by available.

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 2022-01-05
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
The reason for this dispute is because Experian took more than 30 days to respond to my dispute on XXXX XXXX XXXX account and according to FCRA it must be removed. Attach to this dispute I am providing you with : - The letter I sent them on XX/XX/2021 - Return Receipt via USPS verifying they got my letter on XX/XX/2021 - Copy of my ID and Social Security to prove my identity. - Dispute Result letter I received from Experian on XX/XX/2021 given me results of another account that wasnt even on dispute totally ignoring the account on dispute

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 2017-06-23
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
So I have to complain about coinbase.com / XXXX transaction. On XXXX XXXX I transferred some money ( about {$2000.00} ) from my account at coinbase to my XXXX XXXX XXXX account. It was supposed to be deposited and available for me on XXXX XXXX. But money did not show up. Coinbase transaction shows as completed while the history of transactions on their won site shows that its " pending ''. Which one is true? Further, I contacted customer service via their customer portal on XXXX. There is no response, not money. Being a monetary service I expect coinbase to keep the word and make the amount available. Keeping their customers waiting indefinitely without any chance of getting customer support is despicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I got a personal loan from XXXX XXXX. I made arrangements to have the very high interest on the changed through a Debt Consoldation Company. The original interest was around 120 %. They agreed to remove the high interest and take a lower monthly payment. The original amount that was due was over {$12000.00} for a {$2600.00} loan. The new payment amount is {$180.00} and the interest was taken off the loan. In XX/XX/XXXX they made a report to XXXX that now states on my credit report that it is Charged off. I have never been late with any payments. Also I am XXXX on XXXX. I am on a return to work program. I bought anolder car last year on Credit through XXXX XXXX a car loan company who gives high risk and high interest loans to people ON XXXX. my credit was very low when I got this loan. But after a year of paying all my creditors right on time my my credit has gone up substantially. In order for me to continue the Return to work program I will need to buy a new car. I started working as a XXXX for XXXX last year in XX/XX/XXXX. But because of the charge Off added to my XXXX credit report by XXXX XXXX, I am unable to buy a new.car in order to continue my job with XXXX. So now because of the charge off I can not get a new car. So I will lose my job on XXXX XXXX of XXXX because my car is much to old now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
showing wrong address they won't remove well its why the FTC violation occurred XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX 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 2020-12-15
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 chime bank closed my account due to a deposit made to my account from the unemployment of Indiana. They gave me no explanation only to email me that my account was closed and I needed to provide documentation on where the funds came from. I emailed a pua reward letter, proof of address, a picture of my id and a picture of my social security card. They are requesting wages from Indiana when this is a pua covid 19 relief case I am only to get a response from chime support through email, they proceeded to tell me I did not have valid documentation. I then requested for chime to send me a refund check because they can not just hold my funds. All the emails say the same they are unable to review my account and give me a resolution. Chime took my unemployment funds during a worldwide pandemic and I am not able to pay my bills and chime is refusing to refund my money. I have proven my identity I have sent in my unemployment reward letter and they are stating it is not valid, I spoke with several supervisors and they all say the same they have never seen anything like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: JPMORGAN CHASE & CO.
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:
Without consent lenders are reporting information on my behalf. Inquiries are reporting on my report I dont recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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: Credit inquiries on your report that you don't recognize

Complaint:
The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries XXXX XX/XX/2021 XXXX, XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I submitted a consolidation application for my Direct loans so that I would get payment counts increased from payments made from XXXX under the PSLF waiver. I nearly backed out of my consolidation as a result of the letter I received on XX/XX/XXXX saying that I would lose credit for the nearly 70 payments I already had ( without the additional 4 years of payments that will be added with the waiver ) toward PSLF. I still went through with the consolidation but my payment counts have still not been updated. ( FedLoan is the loan company. ) My previously approved employer still hasn't been updated either but I believe that is through the FSA but FedLoan will not review my PSLF application without the employer being approved ( even though my employer has been approved for the last 3 years. ) Ironically, they have the auxiliary department ( non-profit arm of the hospital ) approved in the help tool but not the actual hospital which is city-owned. Once these payments are counted, I will be very near forgiveness if not completely forgiven. I submitted ECF forms in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and none have been processed.

Company response to consumer: Closed with non-monetary relief