BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-28
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX after intiating a {$200000.00} transfer that ws inerrupted by an error message aI was directed to a {$100.00} marketing promotional scam with a phone number which wanted credit card information and invasive continued to intimidate me. 

i called Macus by Godman Sachs and endued hours of multiple supervisory requests before XXXX, a supposed supervisor said she would delete future marketing intrusions. 
REALLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Experian Information Solutions Inc.
State: FL
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 XXXX Acct # 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 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 explanation
Consumer complaint received 2022-11-26
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
In XXXXXXXX XXXX XXXX, I applied for a new credit card. I didn't really need more credit but I wanted to take advantage of the loyalty points. My credit score was above XXXX. I was approved and a credit card was issued to me pretty quickly. Shortly after I applied, my credit score with Equifax suddenly went way down. When I inquired with them, they said it was due to " hard inquiries '' that would stay on my record for 2 years. XXXX already finished the credit inquiry on me back in XXXX and that's why they issued me a credit card. The inquiries are over and done with. But Equifax still will not remove them from my record. They blame XXXX. However, I don't believe them because this has not affected my credit score with XXXX. With XXXX my credit score is XXXX. With Equifax my credit score is XXXX and Equifax said that it will take 2 years for the " hard inquiries '' to be removed from my file. I find that very unacceptable. I used the Equifax online portal and I also spoke to someone over the phone who basically told me that there is nothing they will do to remove the hard inquiries. How is that legal? I have zero late payments and they are tarnishing my good credit record. ( I did not check XXXX because I had problems using their website. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian is still after several complaints reporting an old address of : XXXX XXXX XXXX XXXX, XXXX  XXXX. Account name : XXXX XXXX XXXX ( Please See Attached Complaints ) Current Address. XXXX XXXX XXXX XXXX, XXXX  XXXX I request you to provide accurate Address information. I am entitled to accurate reporting information. Fair and Accurate Credit Transactions Act of 2003 ( amending the Fair Credit Reporting Act, " FACTA '' ), 15 U.S.C. 1681n ( a ). For willful failures to comply with the Act 's disclosure requirements, plaintiffs may seek statutory damages between {$100.00} and {$1000.00}. 
Reporting incorrect/inaccurate information-Inaccurate Address Information

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 2022-06-06
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
15 U.S. Code 1692c ( c ), Resurgent Receivables LLC shall be fined under title 18 U.S. Code 894 ( a ) ( 1 ) ( 2 ) If you violate this Cease And Desist Order with Prejudice!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a savings account with Capital One N.A. on XX/XX/2022. My partner currently in XXXX, needed to deposit funds in a United States bank. She tried to become a joint account holder but couldn't succeed. I gave her my account information so she could make deposits to settle debts so she could return to the United States. She requested a friend 's assistance. He deposited {$5000.00} into my account on XXXX XXXX XXXX. Capital One held the internet deposit from XXXX bank to assure clearance. I contacted Capital One twice during the weeks of XXXX XXXX and XXXX, XXXX, XXXX to make sure the deposits cleared. I was informed it did. I transferred the {$5000.00} to my other bank, XXXX, in order that I could access the funds through my checking account. Capital One had denied me application for a checking account earlier. The money transferred and cleared XXXX. I went to XXXX on Monday, XXXX XXXX XXXX to wire transfer {$5000.00} to XXXX XXXX in XXXX, XXXX. It advised the money was a scam. I checked Capital One and there was another deposit for {$4700.00} made on XXXX XXXX. I requested a transfer to XXXX account. On XXXX XXXX, I sent XXXX XXXX of {$2000.00} to XXXX XXXX. On XXXX XXXX XXXX, I received a call from Capital One stating the activity was suspicious, accused me of possible fraud, and closed my savings account. The deposit of {$4700.00} was cancelled by Capital One and the situation is under investigation. I can not contact Capital One. It refers me to an automated recording saying my account is under investigation and to leave a message. It will contact me in 48 business hours. I was unaware of a third-party depositing for my partner. However, he is a real person and claims he made the deposits without illicit intent. Because of the rapid turnaround, the fraud detectors at Capital One probably went bonkers. My complaint, other than being told that I could go to jail, is that because I only had the savings account open for two days and deposits were made by another via the internet, I am a suspect of a scam or fraud. I also believe that due to my financial status being on a fixed income, that any amount exceeding what Capital One determines is my financial status, it calls suspicious activity. If I had a higher income, these deposits would seem small to Capital One and possibly be ignored. I have had similar problems with my other bank. Any deposit made over {$2000.00} is deemed suspicious. I have made inquiry as what triggers suspected fraud or a scam and was told it depends. No specifics were shared. The banks act like it's their money and customers need to get their permission to withdraw or deposit money. They are protecting themselves, not their customers due to overreach in security policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: CL Holdings LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
In XX/XX/2022 I was surprised to find out that I was rejected from being able to accept the student loans that I had qualified for in order to send my daughter to college. This was a shock considering I am a single working mother with one job of over 28 years, and no debt at all except for a mortgage. I only have one credit card that I use, and I have no outstanding debt at all except my mortgage. I pay all my credit card statements in full each month, so there is no debt in my name. I asked for a full credit report from XXXX XXXX to find out why I was rejected. I was shocked to find that the report showed a name on my credit report that was not my name ( they have since taken off ). In addition, the report showed a phone number that I don't recognize. I have some credit cards that were issued in my name from XXXX including a debt collection agency ( Jefferson Capital Systems ) that has tried to get {$4200.00} from an unpaid XXXX XXXX account XXXX even though I have never had the credit cards named, nor have I I never had a XXXX XXXX account XXXX I issued an immediate investigation by XXXX XXXX and in XXXX I was told that the report was accurate. I have tried contacting Jefferson Capital Systems and have been unable to even get into their system. I also contacted my family financial advisor and she was unable to give me any names of people or companies that may help. I hope you can help to investigate further how these accounts were issued in my name and remove them from my credit history! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: SECURITY FINANCE CORP
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: Information belongs to someone else

Complaint:
I have several inquiries on my report that I did not do ; I sent letters and no reply.

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 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
My name is XXXX XXXX. I would like to request a copy of my consumer file and report from all 3 credit reporting agencies. I attempted to request online but the page will not load.

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 2022-04-24
Company: U.S. BANCORP
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Credit inquiry made without authorization

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 2020-04-16
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 emailed XXXX XXXX on XX/XX/XXXX to cancel my XX/XX/XXXX vacation booked with XXXX. I received a response on XX/XX/XXXX stating the I would receive {$1400.00} on my credit card. I asked when I would be receive the refund and was told XXXX said to allow 4-6 weeks for the refund. 
I called Bank of America o XX/XX/XXXX regarding a charge of {$1400.00} for a XX/XX/XXXX vacation that I cancelled on XX/XX/XXXX. The travel agent told me that I would be refunded {$1400.00} on my credit card but due to a high volume of cancellations, it could take 4 to 6 weeks. Due to the failure of XXXX and other companies this was alarming to me. I called my credit card company ( BOA ) and shared this information with them and they said they would investigate and that they have 30 days to do so. I asked if they would need a copy of the email and they said yes, however I could not forward the email to them until they sent me an update of their investigation which could be 4 weeks. This is very frustrating because the email could resolve the issue and save days of them investigating. My niece whom I was scheduled to travel with called her credit card company, XXXX with the exact same information and they gave her a provisional credit the same day. 
Please help me with this issues. I have had many refunds over the years to a credit card and it has never taken more than 10 business days. It has been about 4 weeks and no refund to date.

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 2022-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
On XX/XX/2022 I noticed a hard inquiry on my credit report that I did not ask for. It was from Bank of America for the XXXX  XXXX XXXX XXXX card which I do not live in Alaska, I live in XXXX XXXX Contacted XXXX and other agencies to freeze my report and put a fraud alert on file. Attempted to contact Bank of America but automated system either will not put me thru due to me not having a account or hangs up, so, I can not speak to a live person. I want this hard inquiry taken off my report because it dropped my score a bit and I don't want something I did not apply for on file. This is probably related to the XXXX data breach which my account was compromised.

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 2022-07-28
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I had purchased a visa gift card from XXXX store ( grocery store ). the card is issued by XXXX and distributed and serviced by Incomm Financial services. 

I purchased a vanilla visa gift card from XXXX on XX/XX/2022. On opening the gift card, I found that it has been tampered with and the magnetic stripe was not working. I called Incomm at phone # XXXX XXXX and reported this issue. 

They opened an internal case # XXXX. They initially told me that a replacement card will be sent to me in 7-10 business days. 

I have also emailed them the documents they asked for on XX/XX/2022. I sent the same docs on XX/XX/2022 as well. 

I had called Incomm multiple times since XX/XX/2022 and every time they tell me that their internal team needs to review the case and a replacement card will be sent. In spite of multiple follow-ups, they still haven't send me a replacement card. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
BANK OF AMERICA , N.A . IS ATTEMPTING TO FORECLOSE ON MY HOME AFTER A SUPERIOR COURT JUDGE GRANTED ME LEGAL AND EQUITABLE TITLE XXXX XXXX XXXX THE DO NOT HAVE RIGHTFUL OWNERSHIP TO MY PROPERTY, MY HOME IS FREE AND CLEAR.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 2022-06-06
Company: Experian Information Solutions Inc.
State: NJ
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 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 XXXX has me at a score around XXXX. 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 XXXX 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 year 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 2022-07-28
Company: WELLS FARGO & COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I'm seeking to have my funds within the next week this company Wells Fargo I can never reach to contact for the amount of XXXX $ XX/XX/2022 they are restricting my account but can't release my funds when I am in need

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 2022-06-24
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
on XXXX XXXX i has applyed for an loan of {$250.00} an they denial for any income discramatation that i believe and i also were still treat unfairly previously years doing on XXXX and today XXXX XXXX i has contact check'n go to confront to them about my complain and they not able to explained the reason at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: DISCOVER BANK
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023, I placed an order with XXXX for two products : an XXXX XXXX XXXX motherboard and XXXX XXXX XXXX, to be delivered on the same day via XXXX XXXX XXXX. After a three-day delay and no updates, I sought a refund from XXXX, but they declined and provided no delivery details. XXXX XXXX also denied sharing information with XXXX customers, redirecting me to XXXX. Consequently, I filed a dispute with Discover Credit Card, which was initially resolved in XXXX 's favor due to insufficient documentation. Surprisingly, XXXX later agreed to issue a refund within a week, but after two weeks of silence, I resubmitted the dispute to Discover Bank with a saved chat transcript promising a refund from XXXX. Despite this, the dispute resolution again favored XXXX. XXXX 's documentation only asserted their refusal to accept a chargeback without significant evidence. Additionally, there have been local issues with XXXX XXXX, often delivering to the wrong buildings due to complex road layouts. XXXX 's proof only included a photo of the box, lacking precise delivery location details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: SC
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:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNTS ASAP !!!

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 explanation