BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
On XX/XX/2023 XXXX XXXX accepted a levy filed from Goldman Sachs on the behalf of a Court Receiver. The account levy did not originate from the state in which the debt was owed. The loan origination was in Texas while the account was in California. They proceeded to take {$13000.00} from my parent 's savings account and created a hardship. furthermore, the account levied did not belong to me it belonged to my elderly parents. They opened a savings account in California for their retirement and added me to help them manage their account if needed. I do not contribute financially to this account in any way. I am solely on the account to assist my parents with their finances and this can be proven by the history of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
OK, on XXXX XXXX I opened a checking & savings account at b of a. There was a transaction from my edd b of a account on my new b of a account on a statement that they said was a clerical error. There were other problems so I closed both accounts on XX/XX/2021 and reopened another checking and savings. And for some odd reason the initial account that I had closed on XX/XX/XXXX stayed open until I had stopped receiving ssi checks. I recently found this out through my recent investigation I did myself. Being homeless at that time I really didn't have the time to thoroughly go through my statements until XXXX of this year when I housed. Going through the statements thoroughly I saw a numerous amount of bank teller withdrawals and other transactions I did not do. Most of the transactions I was filing claims on they refunded immediately without any Investigations. The bank teller withdrawals which came to approx. {$2500.00} from my checking and savings were not completely reimbursed. Approx. {$700.00} from my checking was reimbursed and approx {$300.00} from my savings was reimbursed. I never got any reasons of how this happened because both banks these transactions happened at know me very well. There's been approx {$1000.00} more withdrawals since then that I did not do and since I said I was going to get a lawyer, they are putting me off stating they will talk to the lawyer. Now these are actual bank teller withdrawals that they have agreed are fraudulent by refunding the money but refusing to refund the remaining fraudulent bank teller withdrawals. I am not doing anymore transactions now until I get my money back. I desperately need help. There was also a tax lien that they had no right taking any money out since I was receiving ssi but took it out of the account that was closed making it a negative balance that I owed. All of the money was returned to my open account leaving a debt in the closed account. I have all of the paperwork and letters from them showing all of this is true. Please help me. I'm trying to add photos of statements and letters from them but it's not working!!!! And it says I can't add more after I submit. Please email me to add these on. PLEASE

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 2022-11-02
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Dear California Department of Financial Protection and Innovation, The following correspondence is in reference Chime, where I am a customer. On XX/XX/XXXX, my job deposited in account {$1300.00}. I accidentally transferred {$1200.00}. from my personal bank account.I alerted my bank and Chime about this error.I was trying to transfer {$1200.00} from the Chime account to my personal bank account. My bank put in a claim. Instead of refunding me the {$1200.00}. Chime instead deducted $ XXXX.from my direct deposit of {$1300.00}. On XXXX XXXX, I received another direct deposit in the amount of $ XXXX.Chime again deducted {$1200.00}, from my account, this time on their own terms.I did not make any transaction, as I awaiting my check to be cleared from Chime. I alerted Chime, who told me on XX/XX/22 that my account is in the negative and they don't have my money. In total I am out of _ {$2600.00}. On XX/XX/22, I contacted both XXXX XXXX  and Chime, both institutions are blaming each other, while my funds is in question.Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, INC.
State: NY
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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: Credit inquiries on your report that you don't recognize

Complaint:
i tried to apply for car at XXXX and they said they was going to only do XXXX but it was 25 hard inquires poured on my credit report delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-01-07
Company: Affirm Holdings, Inc
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/2022, while at work, I got a recorded phone call stating my affirm account had attempted fraudulent charges and to press 1 to speak with a representative, in which I did so. The man on the phone asked for a code sent to me so I gave it to him, after all, he was an affirm employee, as I thought. He walked me through steps of a virtual card stating they could track where the attempted charges began this way. Half way through the phone call I told him I was going to hang up and call affirm customer service to verify and I hung up. When I called affirm immediately they said 2 charges where attempted for XXXX and XXXX and I confirmed they were unauthorized. On XX/XX/XXXX they deemed me responsible for these charges. They say they take these charges seriously but we're quick to scuff this off and I even had a representative laugh at me about the situation. I have since contacted the XXXX  and the ftc as I dont know where to turn at this point about this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 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.

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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/2023 I sent documentation from XXXX showing that XXXX XXXX was not on my XXXX credit report any longer. A copy was sent to Transunion showing this and asking them to remove it as well. XX/XX/2023 I get an updated copy from Transunion saying an update had been made on it. There is no way they had time to even get the copy I mailed to them on XXXX. And if they did they still didn't remove it. So this needs to be removed from my Transunion credit report since it does not show on XXXX now. And proof was provided to them. I received another letter from TransUnion today dated XXXX saying You recently submitted a dispute to TransUnion for an item on your credit report. Our records show that we previously completed an investigation of the below item and the data furnisher verified the information on your credit file. AGAIN THERE IS NO WAY THEY WOULD HAVE GOTTEN MY DISPUTE LETTER WITH THE LETTER FROM XXXX SHOWING IT WAS NOT ON IT SINCE THIS LETTER IS ALSO DATED XXXX. SO THEY HAVE NOT INVESTIGATED THIS OR IT WOULD BE REMOVED FROM MY REPORT SINCE I MAILED THE COPY FROM XXXX SHOWING THEM THE PROOF.

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 2023-09-08
Company: EQUIFAX, INC.
State: TX
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:
Months ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
Though I may have a paypal i only ever used it to send and receive money some how my account is saying im applying for credit and im not and believe it maybe fraud.

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 2023-02-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We had a home mortgage with Wells Fargo from XX/XX/XXXX thru XX/XX/XXXX. We were having financial difficulty, as many were at that time. 
We contacted Wells Fargo early on during these troubling times and were invited to apply for a mortgage relief program whereupon the mortgage would be modified to fit more comfortably in our current budget. 
We complied and were told that if we were 3 months behind, that would qualify us for the modification. We were already 3 months behind and were desperate to hold onto our home. 
We applied for the program XXXX, XXXX. We were told that this process will hold off any foreclosure action until approved. This process continued on for 2 years up until we were served with and foreclosed on in XX/XX/XXXX. 
All the while we were promised that our modification was in process and waiting for approval once all the information was gathered although all the information was sent on numerous occasions in the past. We were simply being lied to and stalled until we were unable to make up the payments. 
We were told on several occasions that our loan had been sold to numerous other companies and they would be in touch. We were never told what companies and have since learned they did not exist. 
As a consequence of these actions we were put out of our home of 19 years and left to rent. We lost approx. {$550000.00} in this process not to mention losing our home. 
I recently read where Wells Fargo had been made to answer for these fraudulent foreclosures yet we have not been notified by Wells Fargo. 
I phoned numerous divisions with Wells Fargo and was told our file is not available and they had no record. I attempted to make our address current but they would not take my information. 
I would appreciate any kind of guidance you can offer, Sincerely XXXX and 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 explanation
Consumer complaint received 2023-02-06
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 is missing that should be on the report

Complaint:
I am an authorized user on the attached XXXX XXXX XXXX XXXX  ending in XXXX. This should be showing up on my credit reports with the date opened, the credit limit, paying on time each month, etc - yet, it does not currently. 

Attached to this complaint are : - my drivers license - my social security card - my mailing address - the letter from XXXX XXXX stating I am an authorized user- my actual credit card with them Please have this reporting on my credit report accurately.

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 2023-02-06
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
There was a numerous transactions made through Coinbase.com that would Flagg suspicious activity, and they aloud such transactions. 
All details, dates and any information is included on the attached letter. 
Thank you XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was recently sold to Truist Bank by XXXX XXXX. The notice stated that my mortgage payments would remain the same. As soon as I received the necessary paperwork, I began making payments to Truist Bank online. All mortgage payments have been on time. 

Yesterday I received a notice saying that because Truist was not not able to predict the amount of money needed to cover insurance and taxes they would increase my monthly escrow by {$43.00}. If they had looked they would see that both insurance and taxes were paid last XXXX, and my mortgage had been adjusted down because I had been paying too much into escrow. 

I seriously doubt that either insurance or taxes will go up by anywhere near this amount. While stating that my mortgage payment would remain the same, they get around raising the monthly mortgage payment by increasing the escrow. 

I do not believe there is any real need for this increase. If interest rates had not gone up so much since I took out this mortgage I would look for a mortgage with another institution. But since rates have gone up so much there's no way I can refinance without paying a lot more in interest.

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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2023-02-06
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
happy day Please could you help me with my PayPal account? 

I frequently XXXX XXXX XXXX XXXX XXXX XXXX through my PayPal account. 
Using the PayPal checkout button on my website, which is linked to my PayPal, I collect payments from customers. 
I also make a daily withdrawal from my account after the transaction. 

When I opened my inbox, I just received a notification from Paypal saying " You can no longer do business with PayPal ( Ref ID - XXXX ) '' .This was a system error, I thought. 
I've completed every selling deal I've started, so I have a good track record and no problems. 
In relation to my verified PayPal account, there are no open cases. 
I utilize it professionally so that customers can pay me through the PayPal checkout on my website. 
Customer care informed me that a system had automatically blocked my account and those of others when I called with my issue. 


Please help us to solve this problem. 
Please examine and restore my account as well so that I can continue to use it for business. 
I am prepared to present any relevant proof, including copies of the websites where the money came from and images of my financial activities. 
Help would be appreciated as My Paypal account was essential. 
Hopefully, I can rely on you for this. 
I'm incredibly grateful for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian has been reporting a auto loan balance of {$10000.00} and showing it as active account. I filed bankruptcy and it was XXXX XX/XX/XXXX which charged off that balance. XXXX XXXX XXXX are reporting {$0.00} balance but not Experian. I made the 1st dispute XX/XX/XXXX and they took the balance to {$10000.00} but did not charge off the entire balance or do i think they even researched. The 2nd dispute was filed XX/XX/XXXX and they declined and reported a missed payment for XX/XX/XXXX and this dropped my credit score over 40 points. I don't have money for lawyers so I need help with solving this inaccurate report. This is affecting my life financially.

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 2023-02-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
{$10000.00} was taken from my account on multiple dates in XXXX through XXXX XXXX. Although I did at one point have XXXX XXXX, my current bank account is not attached to it. I have taken an image of my XXXX XXXX and the bank account attached to it, which is a closed account from a different bank. Also, my current banker, Chase Bank, states that my fingerprints were used to withdraw this money from my savings and they pinpointed the location, which is XXXX, CA. I live in XXXX and work in a prison located in XXXX XXXX. I can prove I was at work on the alleged days I was supposedly in XXXX. I talked to the claims representative, and they said the case was close because biometrics, fingerprints, were used. I feel this is negligence on their part and not being able to protect my money. The money was withdrawn from same location, in XXXX, CA on the following dates : XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XXXX and XX/XX/23. Furthermore, even the bank tellers are confused as I am, on how they could withdraw so much money from my savings account and there were no notifications from the bank that this money was being withdrawn. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below 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, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 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