BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-12
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a high-yield saving account with Goldman Sachs Marcus Online Banking XXXX I was trying to use the funds on this account as the down payment for the purchase of an apartment. I initiated the wire transfer to the title company four times via phone call with customer services as they do not have physical offices, Marcus Bank 's personnel failed every time due to execution errors, e.g., transposing recipient 's account number and entering the incorrect beneficiary information without confirming with me. Each time, the funds had to be returned by the recipient 's bank as they can not reconcile the information. Without access to my own funds and so much time wasted waiting for the funds to kick back to my account, my house closing was in jeopardy and it was already two days after the supposed closing date. Despite numerous follow-up phone calls and escalations, Marcus Bank 's personnel showed a lack of training and professionalism, and they do not have any additional ways to fix the problem. I had to borrow emergency money from friends and family, and wire them from other banks. Conversely, other banks made such wire transfers ( with the exact same information I provided ) very easily and timely. 
Details of the four failed wire transfers initiated from Marcus : 1 ) XXXX, {$50000.00}, due to incorrect recipient account number ; 2 ) XX/XX/2021, {$20000.00}, wrong beneficiary information, 3 ) XX/XX/2021, {$50000.00}, Marcus cancelled the transaction without noticing me, 4 ) XX/XX/2021, {$50000.00}, wrong beneficiary information. 
Goldman Sachs Marcus Bank presented XXXX to provide consumers with normal financial services, lack of internal controls, and a pattern for making the same error by multiple personnel. As a consumer, this wasted lots of my personal time, limited my access to my own funds, made me have to borrow from other people, and most importantly almost costed me the opportunity to purchase my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$3000.00} on XXXX XXXX XXXX  partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was settled and paid in full on XX/XX/2016. ( Please see the attached letter dated XX/XX/2016 from XXXX XXXX XXXX XXXX XXXX. ) This incorrect reporting of a collection is harming my credit score and these line items need to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2017-04-21
Company: Jzanus Ltd.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received several letters saying I had a debt to a hospital for the    XXXX   XXXX   XXXX   XXXX   , scared I paid the debt as I did n't want it to mess up my credit. However, now I received a call saying the debt was not paid to the company  Jzanua LTD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There were XXXX devices signed into my bank account. My e-mail was changed on it. I have been told there were transactions underneath my transactions at gas stations and the grocery store.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX ; Experian and XXXX are reporting incorrectly a collection in the amount of {$3000.00} on XXXX XXXX XXXX  partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was settled and paid in full on XX/XX/2016. ( Please see the attached letter dated XX/XX/2016 from XXXX XXXX XXXX , XXXX. ) This incorrect reporting of a collection is harming my credit score and these line items need to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2022-04-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Starting in XX/XX/2022 I sent certified dispute letters to have a bankruptcy removed off my credit file reference # XXXX with Equifax and XXXX that does not belong to me or have my last on it. Equifax and XXXX are the XXXX credit bureaus who are refusing to remove it XXXX has removed it. The excuse that Equifax and XXXX are giving is that they validated it by the courts. I contacted the courts and gave them the letter from the courts stating they don't give public record to the credit bureau. They are violating and not complying with FCRA 611 ( U.S.C 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX booked a flight using XXXX for AA. I was not allowed to board due to XXXX  XXXX. I attempted to rebook with AA but I was denied because I booked with a third party ( XXXX  ). Contacted XXXX to be told that my ticket is nonrefundable and they can not rebook my flight. So far I am in red for {$470.00}. On XXXX contacted Chase and opened a claim against XXXX. All supporting documents were provided to Chase. On XXXX received a letter from Chase stating that my Claim is denied because my transaction was authorized. My claim was never regarding authorized or not. My claim is for fraud perpetrated by the merchant. I contacted Chase for more information and was informed that XXXX won the dispute!!!! I did request supporting documents submitted by XXXX. I was told that I should get them within 15 days by mail. Today is XXXX I still do not receive any document from Chase. Why : 1. No such documents exist. Chase can not be an arbitrator since has a financial interest in the transaction. 3. That is the predatory practice by bank institutions. 4. This violates The Federal Arbitration Act ( USA ). Title 9, US Code, Section 1-14.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Army and Air Force Exchange Service
State: AE
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 Military Star # XXXX Dates : XXXX, XX/XX/XXXX, XX/XX/XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX XXXX # XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USCN 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2019-12-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is currently serviced by Select Portfolio Servicing ( SPS ). It is a loan backed by XXXX XXXX and is currently delinquent. On many occasions, I have sought loss mitigation efforts with SPS and contacted their loss mitigation department regarding the same. SPS has refused to process my loan modification and issue clear underwriting determinations. Per HUD regulation 24 CFR 203.604, contact with the mortgagor, provides that " the mortgagee must have a face to face meeting with the mortgagor, or make a reasonable effort to arrange such a meeting, before three full monthly installments due on the mortgage are unpaid. '' Since the loan is insured by the XXXX XXXX, this regulation applies, as well as the liability reporting valid information to HUD. It is clear that violations of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. 

SPS has also advised that they refuse to offer a standard foreclosure mediation, which is a requirement per Indiana law. This is a clear violation of Indiana Code 32-30-10.5. Per the IN statute, clear notification must be sent to the home owner, giving the option for standard foreclosure mediation. SPS has set a foreclosure sale date for XXXX, during the period where mediation and loss mitigation should be occurring. 


SPS is in clear violation of False Claims Act, RESPA law and IN Code 32-10.5.  XXXX has imposed a foreclosure sale date on XXXX, so I am seeking your assistance on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 contacted TrasUnion and informed them that my credit report is incorrect and that fraudulent inquiries are being reported. I was instructed to send in an fraud report, they keep saying they are not receiving it so I am attaching the report and the request to remove these inquires.

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 2022-04-29
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This Company closed my Personal and business bank account I have no idea why and its affecting me from getting new Bank account with any other banks and I would like to resolve this

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 2022-04-29
Company: EQUIFAX, INC.
State: FL
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The aforementioned credit collection agency representing  XXXX   XXXX   XXXX   XXXX  has violated FCRA by not providing documents to me in regards to this debt, my HIPAA has also been violated because they have not provided me signed documents with my signature on anything where I have giving my permission for anything pertaining to this debt. This account is unverified and immediately needs to be deleted from my credit files :  XXXX ,  XXXX , and  XXXX . The business is required to disclose to me all of the documents that they have recorded or retained in their files pertaining to this " debt ''. If  Medical Data Systems  does not have any documentation, they need to retract this from my credit file immediately.

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 2017-04-14
Company: JPMORGAN CHASE & CO.
State: AR
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
So right after I was approved for the XXXX I opened the box to see my new card. Six hours later all my chase cards in my XXXX were deactivated. I then called the number on the back of card to find that all my accounts were closed!!! So you approve me for a card and then you close it out after I activate the card?!?! I called and spoke with a represintive and she said that the accounts were closed because I 've opend to many accounts within the last 12 months but I would n't have applied unless I knew I could pay down the balacnce and would have never applied for the XXXX if it was going to result in a closure. Rep was n't having it, now that i look back she was kinda rude. Anyways was told that I can call back within 6 MONTHS to see if they would reinstate the accounts. So XXXX are out of commition untill further notice. WHat do I do to make sure that they are n't permantley closed. My scores are XXXX across the board and I am under 30 % utilization on all my cards. No other lender I use XXXX, XXXX or XXXX have done this they have actually increased my credit limits and lowered my interest rates with out me requesting. I 've heard some stores of customers going through similar situations and getting their accounts reopened so I still have the cards they close with little hope Chase will maybe reopen them while I continue to make payments to prevent a permanent closure and others are just telling me all the more reason to hate America 's biggest bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
Hello, My name is XXXX XXXX. Im trying to solve the problem with my incorrect credit score for 4 months now but nothing was helpful. Here is the situation : I opened my credit card at XXXX XXXX in XXXX and after 6 months of opening it I started to see my FICO score ( which was reported from XXXX ) on my XXXX XXXX profile. When I opened the card I didnt have SSN, however, as soon as I obtained my ssn in XX/XX/XXXX I updated my personal information and added it to my XXXX XXXX profile. After obtaining my ssn I also opened XXXX, Equifax, and XXXX accounts to see my credit score. However, neither of those agencies have my XXXX XXXX credit card on my profile. They only have one credit card from XXXX which was opened less than 6 months. XXXX  doesnt even show my credit score and says that I dont have one however I see my score on my XXXX XXXX profile . Whenever I want to apply for a loan or something related to the credit score I get denied either because they say I dont have one or my information wasnt recognized. I kept going and calling XXXX XXXX to help me to solve this issue but they say they are already reporting everything needed to credit report agencies and when I tried to contact these agencies they say I should solve this issue with XXXX XXXX and theres nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

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 2022-04-29
Company: Experian Information Solutions Inc.
State: FL
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

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 2017-04-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XX/XX/2016 my son 's computer was taken over by hackers. They were in the computer that why his IP address was on all the fraud charges. They ( the hackers ) were in his computer and his accounts. 
The very same day he had bought an item on line for {$40.00} and he used XXXX but the underlying credit card was a Citicard. You will see when he was hacked on XX/XX/2016 the charges were about {$2800.00}. All the charges had been reversed by Citicards. 
This one merchant filed paperwork with XXXX and provided fake paperwork that showed that the merchandise was delivered between XXXX-XXXX on XX/XX/2016 to our house. When XXXX received the information from the merchant they went ahead and charged my son 's account on his Citicredit again. 
Citicards refunded the charge for {$40.00} that was a charge that was made by my son. Every time I spoke to them I was told that the refund had been made. They keep insisting that the {$40.00} is a correct refund. The {$40.00} has nothing to do with the fraud that we are trying to have corrected. 
My son works at XXXX as a loader. He clears about {$300.00} in a good week. He is a part time worker. He has no need for Bitcoins. That what the merchandise turned out to be. 
My son XXXX card was also hacked for about {$1500.00}. XXXX credited the account in a timely matter. The hackers also cleaned out his checking account and he was under water for about {$5000.00}. We had this money restored by XXXX within a few days. 
It was a major hack that involved XXXX credit cards and a checking account.

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 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The account is no longer open but, the finance company is still reporting as open and is reporting missing payments illegally on credit report, and it shows incorrect information on 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 2021-06-14
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/XXXX XXXX CST, I was contacted by ERC , a debt collector, regarding an account of my mother 's. On the caller ID, my mother 's phone number showed up and I believed it to be my mother when a representative of this company introduced herself. She informed me she had my mother 's permission to speak with me and gave me the debt amount of {$150.00} on behalf of XXXX XXXX. I informed her my mother 's phone number showed on caller ID instead of her company which she didn't deny or admit that her company was using spoofing tactics which are illegal. She gave me the company phone number of XXXX and call reference # XXXX. 

The document attached is from my phone bill that proves a call was made at the time given from XXXX which is my mother 's phone number and not ERC who actually called me at that time thus proving they spoofed my mother 's phone number. 

The next day, XX/XX/XXXX, this company spoofed my phone number and called my mother into tricking her to answer. I do not have access to my mother 's account to provide documentation on this. 

I am aware companies may have a different phone number of their company show on caller ID but misrepresenting who they are by spoofing individuals ' phone numbers to trick the person into answering their call is an illegal tactic. This company has done it at least twice with my mother 's account, with multiple phone numbers, proving this is a regular illegal tactic this company is utilizing.

Company response to consumer: Closed with explanation