BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA
Product: Credit reporting, credit repair services, 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:
I would like an investigation for Rushmore Loan Management Services, XXXX XXXX XXXX, XXXX, California and XXXX. Contact number XXXX. Reference Loan Number XXXX. I have issued payments to Rushmore Loan Management Services from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Louisiana and XXXX ; Contact # XXXX. I am reporting this matter due to money laundering and foreclosures of previous properties : XXXX XXXX - Account number XXXX ; property address XXXX XXXX XXXX, XXXX XXXX, LA and XXXX XXXX XXXX Reference loan number XXXX. I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was sentenced 60 months for money laundering. Members of the congregation was working for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My properties and automobiles was seized due to my previous occupation and employment. I was working for a Federal Agencies and was approached by. XXXX XXXX XXXX XXXX XXXX and he requested a favor from me. The favors were money and grants from the agency. I denied the request and I truly believe this incident have hurt my creditability. Also, he knew employees working for the Federal Emergency Management Agency. The mortgages loans list XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Our mortgage application process for Citizens Bank took 5 1/2 months when we were told it would take 90-120 days. We had to resubmit the same documents multiple times make multiple phone calls and send many e-mails. I would provide documents requested, and then they would ask for something else. It felt like they were deliberately delaying the process. The only reason they provided was backlog due to COVID. However, when I called their loan application line in XXXX to check on what they were offering, I was told it would take 60-100 days, and they did not tell me I could not do a cash-out refinance at that time even though ( according to loan officer supervisor ) the restrictions were still in effect. Then we were denied XX/XX/XXXX. The denial states " we do not grant credit under terms requested ''. When loan officer supervisor finally returned our call XX/XX/XXXX, he told us that due to COVID related guidelines implemented in 'the summer ' ( he would not provide date when questioned, since we applied XX/XX/XXXX ), XXXX XXXX does not allow a cash-out refinance of a vacation property that doesn't already have a current mortgage. He said the restrictions were supposed to be lifted in XXXX and weren't, and then they thought they would be lifted in XXXX and they weren't. None of this was communicated to us. We could have pursued other options. We currently own our vacation home outright ( {$230000.00} appraisal ) and and applied for {$150000.00} cash-out mortgage to pay off mortgage ( from different bank ) on primary residence ( value about {$300000.00} ). We have no other outstanding debt, we both have credit scores of XXXX, a combined six figure income, and {$500000.00} in additional assets. I feel the bank misled us, stringing us along hoping to be able to offer us a mortgage if/when the restrictions were lifted. And now we are out 6 months of extra interest payments ( approximately {$1300.00} ) because we will need to start the process again with a different bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 noticed that on XX/XX/23, there was hard inquiries made to MY CONSUMER report without my consent from either XXXX or XXXXXXXX XXXX XXXX XXXX. I first noticed the inquiry on XXXX, and have since filed a CFPB report, FTC report and Identity theft report against XXXX and TRANSUNION AS requested. Now, I see this is also on MY TRANSUNION report. All unauthorized and adverse actions taken against me by all 4 companies is given a pattern of unfair business practices and racketeering against me the CONSUMER that the consumer report relates too. None of these companies have validated or verified any information with or for me.

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 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Trans Union is still listing accounts that I am no longer responsible for

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 2023-07-06
Company: Frontline Asset Strategies, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, Frontline Asset Strategies , LLC reported a fraudulent XXXX account that I reported to XXXX on XX/XX/XXXX. I contacted XXXX who advised me to put in a new fraud form and mail also the FTC Identity Theft report, which I did on XX/XX/XXXX. I havent received any confirmation in regard to this fraudulent account since then. Frontline Asset Strategies , LLC was notified also by mail, email and phone. I was not sent any notices from the collection agency before placing this on my credit reports as I talked to XXXX, from Frontline Asset Strategies. who stated mail was sent to the address he has on file before reporting this account to the credit bureaus, which was a fraud address and which XXXX was aware of yet Frontline Asset Strategies continues to mail my personal information to the fraudsters. My purchase of a new home is set for closing tomorrow, XX/XX/XXXX, and this caused me to risk {$15000.00} of earnest money. If this account is not removed by XX/XX/XXXX, I will include Frontline Asset Strategies , LLC in a lawsuit to recover the earnest money I will lose due to this fraudulent account they reported and never properly notified me of this before reporting it to credit bureaus, even though this fraud account was reported to XXXX previously on XX/XX/XXXX. I have attached all copies of letters emailed and mailed to both Frontline Asset Strategies , LLC and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
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: Was not notified of investigation status or results

Complaint:
XXXX has FAILED repeatedly as of XX/XX/2022 to remove the account ( XXXX XXXX XXXX Account number XXXX {$400.00} past due as of XXXX XXXX ) from my credit report. They have FAILED reportedly to prove I am the owner of this debt and have failed to provide their investigation process on how they came to this conclusion. I don't believe this matter is being legally investigated. They have also failed to respond to CFPB and provide an update. They are deliberately replying ONLY upon the initial complaint from CFPB but will provide their " findings '' directly to me with NO legal stance which I believe they are purposely stalling. This concern needs to be escalated with the CFPB and XXXX. 

XXXX XXXX ( The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. )

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 2022-12-19
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 belongs to someone else

Complaint:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 


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 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 2023-05-23
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been attempting to withdraw {$31000.00} from my apple savings account by Goldman Sachs since XX/XX/XXXX. The transaction has been in a pending withdrawal status for over one week. The banks website states that withdrawal request will be processed within 1 to 3 business days. When I have contacted customer service, they have communicated a five business day timeline. After several calls to customer service in which I was told to wait, a representative informed me on XX/XX/XXXX that my account was flagged and that a hold had been placed on my withdrawal because I had deposited additional funds in the accojnt from a different bank account than my original deposit. I was not notified of this hold. I was told that the flag was cleared and I could expect my funds within two business days, which still has not occurred. When I contacted customer service again on XX/XX/XXXX, because my funds have still not been transferred I was told there is no hold on the account and that I should see the funds transfer within five business days again. When I asked to be transferred to a supervisor. I was told I could only receive a call back and that they couldnt guarantee that I would receive a call back within 48 hours because call volumes were high. This bank has prevented access to my funds for going on 10 calendar days now and has given me no assurances as to when I can expect to receive access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
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 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 records in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 accounts : 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 explanation
Consumer complaint received 2023-06-08
Company: National Credit Systems,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 have filed several disputes with XXXX and they have not properly resolved my issue! This account has been deleted from XXXX and XXXX due to the companies lack of information! I called XXXX on XX/XX/ to ask how did they validate the information and I was told that the company verified by just saying it was me without having to show XXXX actual proof like a signed contract with both parties signature or no proof of some type of relationship between me and National Credit System. I have given XXXX my Identification and past addresses history bank statements to prove that this is not my account and that i dont have any relationship with them This company has not provided anything but a word which is a violation of my rights I need them to provide me with actual proof or delete immediately because this has caused enough damage

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My father-in-law, XXXX XXXX XXXX passed away XXXX XX/XX/2022. 

My husband, XXXX XXXX XXXX, executor of the XXXX XXXX is trying to close XXXX XXXX XXXX 's XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX but to no avail. XXXX XXXX XXXX went personally to Chase Bank located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX and met with XXXX XXXX, client privilege account manager. My husband brought/ showed all the necessary documents to close the account. XXXX XXXX advised my husband to call the customer service instead. 

For the past XXXX weeks now, my husband has been calling the customer service and had spoken to several customer service representatives but nobody could help him. I do not understand why this is so complicated when in fact, he's just trying to close an account of a person who had passed away. He never have a problem with any credit card companies and yet with Chase, it is impossible! 

I already sent an email to XXXX XXXX XXXX, CEO regarding this matter. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: ALLY FINANCIAL INC.
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off the loan on a new vehicle 12 months in advance. Ally Financial took one additional payment of {$530.00} out of my direct payment account and has NOT returned it to me in 30 days. I contacted customer service reps. at Ally seven times. I recorded four conversations ( I informed them that I was recording the conversation every time. ) I contacted Ally three additional times by " chat '', and I printed those communications as well. 

I was initially told by Ally that I would receive the refund of my money the week of XX/XX/XXXX. I was told the refund was mailed to me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and finally on XX/XX/XXXX. It is now XX/XX/XXXX and I still have not received the money Ally took out of my account. 

The vehicle was paid in full on XX/XX/XXXX ... 12 months ahead of when the final payment was due. I have recordings and documented copies of the misleading information I have been given for the last three weeks. 

Why are they allowed to get away with this? Why couldn't they return my money electronically to the same account they took it out of? Why are seven different people confused and not sure of " exactly '' what is happening? 

Another complaint about the TITLE for the vehicle. I actually paid off, in full, two loans years ahead of time. I asked the question ; " ... when will I receive the titles for the two vehicles? '' I was told by three reps. that the titles would be send to the DMV. I asked " ... what DMV? '' No one could answer that question. However, as it turned out, one title WAS sent to the DMV in XXXX, IA. and second title was sent directly to ME! 

How about that? Who really knows what they are doing at Ally? Why would Ally release two vehicle tiles worth {$50000.00} and NOT return a payment amount of only {$530.00} ... what is worth more? It makes no sense that they would delay returning a small amount of money, but have NO problem releasing titles worth many thousands of dollars? The fact is, they DO NOT want to release MONEY. They hold on to the money as long as they want to, without reason or justifiable cause to do so.

This needs to be examined and corrected. Note : Ally should be regulated to " refund '' customer 's money within two weeks or less. They should be forced to " direct deposit '' refunds if they have been paid by " direct payments '', all of my payments were made on time with direct payment terms. Ally should be punished for making " false '' statements and unprofessional conduct and concern for outstanding customers like me.

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 2022-10-04
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: VA
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:
On Friday XX/XX/XXXX I contacted XXXX XXXX XXXX XXXXs they have not been reporting accurately to XXXX  or equifax. On my report it shows I still owe XXXX and I actually have a XXXX balance. XXXX XXXX says they would fix it and then today XX/XX/XXXX they reported again to XXXX with wrong information further dropping my credit score. I have disputed this several times with equifax and XXXX and every time XXXX XXXX says their info is accurate. I called equifax and they said it was up to XXXX XXXX XXXX to report accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Professional Accounts Service, Inc. (Indiana)
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The company, " Professional Account Services '', XXXX XXXX, contact my employer, XXXX 'XXXX XXXX XXXX on XX/XX/2020. 

He made the company owner, XXXX XXXX, aware of my debt. He further sent information showing that I owed {$260.00} to my place of employment. XXXX called numerous times after I asked him to not contact me at my place of employment. He spoke with my husband, threatened him, and told him that he was " sick of his XXXX attitude ''. 

XXXX is a known criminal with a rap sheet a mile long. He has no business trying to collect debt, and has financial problems of his own. You will find multiple complaints about this company, and something needs done.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
In XX/XX/2020 I filed disputes with all three credit bureaus. I have yet to received ANYTHING from them .. This is 100 % unacceptable. Since this was on done XXXX you cant use the holidays as an excuse. I understand with covid things are slow but this is right. Attached is the first disputes I filed

Company response to consumer: Closed with explanation