BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: GOLDMAN SACHS BANK USA
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have an online saving account with Goldman Sachs XXXX. I initiated a transfer out from XXXX account to a linked external account to fund a recent purchase yesterday ( XX/XX/22 ). Today I suddenly got an email saying the account was locked and I needed to call CSR. I called and was transferred to a fraud department after a long on hold time. I was told I need to go through identity verification and some form will be sent to me in mail in 7-10 business days. And I need to notarize the form and send back and wait another 3-5 business days to wait for a decision if the form will be approved and then I will be contacted to discuss next steps. I could not fathom why I would lose access to my funds for a good month of time. When I asked the fraud department how the form will be decided if the form can be approved and why I cant get the form the next day to speed things up. The answer was I dont know and I cant tell you more information. This is totally ridiculous to me. I didnt have trouble transfer funds in or open the account. And simply to lose access to my account for a month and not knowing if a fraudster is trying to access my account is totally unacceptable. There is surely a way to get me the form within a day and tell me exact steps that will need to happen to regain access as soon as possible within days. It makes me very uneasy to not knowing whats happening to my money and the casual attitude of the fraud department staff with I dont know answer to whats happening to my life saving is really frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 2021-09-17
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Spoke to customer service today XX/XX/2021 to discuss Barclays decision to end the UBER VISA credit card product, which I currently have close to {$50.00} in unredeemed rewards and may be forced to lose them.

Facts : 1 ) BARCLAYS BANK has made the decision to end UBER VISA credit card product ( https : //onemileatatime.com/news/uber-credit-card-discontinued/ ) 2 ) I have earned {$50.00} in " UBER CASH '' rewards for my account ending XXXX UBER VISA CARD. 
3 ) I DO NOT ACCEPT my account being transitioned to a different credit card product that is not UBER VISA. Which BARCLAYS BANK is forcing me to do in order to obtain my {$50.00} rewards. 

Given that BARCLAYS BANK has made a decision to close/discontinue my credit card product where I have already earned rewards of {$50.00} and pending rewards for this current month. BARCLAYS BANK should NOT force me to transition to a new credit card product with subpar benefits much less than my original UBER VISA product benefits ( cashback categories, etc ). 

I do not accept the terms forced upon me by BARCLAYS BANK decision to terminate my current credit card product - or give up my rights to my earned rewards of $ XXXX - I have explicitly requested BARCLAYS BANK to " cash me out '' on my rewards and close the account at the end of the billing cycle - while moving my {$11000.00} revolving credit line to my other barclays account AAdvantage Aviator ending in 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 2020-11-12
Company: BlueChip Financial
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: Personal information incorrect

Complaint:
Need address and phone number updated please. 

Address XXXX XXXX XXXX XXXX XXXX, Indiana XXXX Phone number XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am writing this complaint about Trans Union and XXXX  Credit Bureaus. I submitted a dispute letter to them containing blatant inaccuracies dated XX/XX/2021 and they are not complying with their own policies nor are they complying with the FCRA in a timely manner.

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 2022-11-09
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX To Whomsoever it May Concern ; This about consumer credit transaction entered with your company XX/XX/XXXX and I extended your organization the credit for the account no XXXX. 

I hereby give your company notice XXXX to 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the cost of credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( 2 ), the term adequate notice means a printed Notice to a cardholder which set forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning .Such notice may be given to a cardholder by printing the notice on any credit card, or each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above mentioned section, I couldnt understand its meaning which is a violation under 15 USC 1602 ( K ).

Further pursuant to 15 USC 1601 ( A ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction, therefore made an uninformed decision and it resulted in multiple billing errors, and unfair card practices. 
From your end I have not benefited from this transaction which is again a violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), The term Unauthorized use means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit. 
I hereby request you to do the below mentioned XXXX. Remove all late PAYMENTS Ive been affected dramatically by these billing errors, denied for rental agreements and more. If you accept my request, I will not escalate this matter to Federal Court. In case you dont accept the above request, a legal action shall be taken against your company for compensatory damages. 
Thank you for your attention to this matter Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
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:
I wrote all three credit bureaus and the reporting companies several times asking to remove items as I was a victim of identity theft. The first date disputed was around XX/XX/XXXX, the next dispute was around XX/XX/XXXX, and then XX/XX/XXXX. I then sent a certified debt validation letter in the mail to the reporting companies ( XXXX XXXX XXXX. I was never provided anything other than a XXXX and XXXX e-statement. I am well aware that I have never did business with the reporting company ( collection agency ) and that I disputed it 3 times and both the company and the Credit Bureaus never provided me with a signed contract with my signature. A collection bill is not a real validation. I also sent a fraud packet to XXXX directly. I have a right to be provided with valid proof or it needs to be remove. This is impacting my ability to purchase my new home, as my credit score is impacted. Please request that these collections be removed.

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 2022-11-09
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedyand the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureau and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX Date Opened : XXXX Balance : {$1600.00}

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 2021-09-17
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a new mobile home in XXXX and had it financed with Vanderbilt Mortgage and Finance. For the past five years or more the mortgage company has had forced insurance coverage on the home because I could not afford the insurance at that time. The cost of the insurance premium was usually less than XXXX XXXX dollars with the premium payments divided into monthly payments and added in with my mortgage payments ; this resulted in payments of {$510.00}. 

I received a notice in XX/XX/XXXX from Vanderbilt Mortgage stating coverage had been placed on the home with a premium in the amount of {$1400.00}, and coverage of {$290000.00} on a mobile home that is only valued at less than XXXX XXXX dollars. My monthly payments increased to {$560.00} which I refused to pay because of the amount of coverage. I don't have any additions or other buildings on the property. 

I was able to purchase insurance on the home in XXXX, XXXX ; I called Vanderbilt to report that I have insurance and was told that I was three months behind in payments because the insurance premiums was taken from monthly payments causing partial and not full payments. When I tried talking to someone at Vanderbilt about the {$290000.00} in coverage I was told the company had no control over the amount of coverage. My concern is Vanderbilt Mortgage having {$290000.00} worth of coverage on a mobile home that is nineteen years old with just the home on the property. I also need to know if I need to file a complaint with the insurance commission? 

Thank you,

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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX Have noticed some fraud accounts and unauthorized inquiries appearing on my credit report. 

Accounts 1. XXXX XXXX XXXX {$130.00} 2. XXXX XXXX XXXX {$84000.00} 3. XXXX XXXX XXXX {$27000.00} Inquiries 1. 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 2023-07-14
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-15
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have an old balance with XXXX XXXX XXXX in the amount of {$210.00}. A few months ago I received 1 ( one ) letter from Americollect stating that this amount has been placed in collection with them and they subsequently placed the collection on my credit on XX/XX/2019. 

Seeing as how I check my credit repeatedly, I found out that Americollect has now posted this same amount 3 more times for a total of 4 collection listings on my credit resulting in significant drop in my credit. 

According to the Fair Credit Reporting Act, this is an illegal tactic and if I'm not mistaken, I am not should these items be removed from my credit reports, but they are subject to fines and I should receive financial restitution as a result of the damage to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 U.S.C 1681 Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. State 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 reports 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 reporting agency if the person knows or has reasonable cause to believe that the information in 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
Consumer complaint received 2021-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My wife 's XXXX XXXX account was hacked. Noticed that there was XXXX w/d from her XXXX XXXX that was linked to her debit card and ultimately our checking account. I reported the fraud to Bank of America immediately and my wife reported the fraud to XXXX XXXX right away -- same day. Both parties initiated a " dispute '' but months after, I get notification from both parties that they have denied our claim. We have no idea who the money went to, did not participate in the transaction, did not allow anyone access or use of the XXXX XXXX account and we did not benefit from the transaction. I tried re-opening the case with Bank of America and I was denied. I even provided all the screenshots that requested showing I was working with XXXX XXXX to resolve and listed on my fax to them that this was complete unauthorized fraud. Bank of America and XXXX XXXX still refuse to assist me. This has been going on for months. Bank of America reversed provisional credit on XX/XX/2021 and then closed the case again on XX/XX/2021. Both times they closed it for this reason, which is complete false. 

As you requested, we completed a re-evaluation of your claim. Our research included the information you provided with your claim, your account history and/or the monthly account statements we sent you. We made this decision because : **The charge was authorized by you or by someone who has permission to use the card or account. If we used documents to resolve your claim, we've included them with this letter. If you have additional information to support your claim, we request that you send it to us in the next 10 business days so we may reopen it. 

They will not allow you to reply. You have to call a 877 # that takes an eternity to reach someone. I did once and they asked me to fax proof and I did. Now, I can not reach them by phone as the hold times are so long. 

This dispute began back on XX/XX/2021. I reported the fraud the very day the transactions were trying to come through. We were very prompt and complied with all their requests to resolve. 

XXXX XXXX will not assist and say they are working with our bank. They are not. We attempted to dispute with them also and they do not have anyone you can call. You have to go back and forth for days via email. They are denying the claim without an accurate reason as well and will not assist. 

XXXX was stolen from me via XXXX XXXX in the amounts of ; XXXX, XXXX, XXXX, XXXX, XXXX I need help with this dispute on either company 's behalf.

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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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