BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
name is XXXX XXXX XXXX they have so many different names on my account that I would like to get taking off I only want XXXX XXXX XXXX on my credit report no others

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 2023-01-25
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: Credit inquiries on your report that you don't recognize

Complaint:
I notice these inquiries that weren't authorized on my behalf and spoke to EQUIFAX about the matter in which they wanted me to write an FTC report so I did that as well but still no response and these inquiries still remind on my credit report, I attached the FTC report and did my part to get this resolve, I hope you could help me with this matter with EQUIFAX and come to a resolution. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I requested to withdraw {$65000.00} from my XXXX XXXX account, run by Goldman Sachs. After seven business days as of today, this transaction is not yet complete and it's unclear Goldman Sachs has even started processing this transaction. I've been told by Goldman Sachs support that this transaction is " in the queue '' and that there's nothing I can do but wait more time. Their product experience says this transaction should take 1-3 business days, their support says 5 business days and we're now past that. They can not explain why this is being delayed nor how long it will take. I need to have access to my funds. I think this is inappropriate and Goldman Sachs is withholding my money from me. I have been calling Goldman Sachs every day since the third business day after my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have asked for information proving that some accounts belong to me as well as some hard inquiries that Im unaware of. I am just now looking at my credit card and realize that its a lot wrong. I have sent letters and letters for months. I never get my proof only that theyve updated the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: PA
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: Problem with personal statement of dispute

Complaint:
I have a medical debt that is XXXX and all XXXX  credit reporting agencies Equifax, XXXX and XXXX all stated and show on their websites that medical debt under {$500.00} will no longer be reported yet they will not delete this bill that is in collection and under XXXX as of XX/XX/XXXX XXXXThey all state this debt shouldn't be reported after XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: LAKEVIEW LOAN SERVICING, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I would like to report a fraud on my escrow account.I would like to know whether you CFPB are you able to make decision in this matter or I have to report this issue to the FBI. 
I am pretty sure that they are taking money from my escrow account which are not shoved on my escrow balance. 
Now I have terminated and removed my Escrow account for the mortgage. I asked also about remaining balance on escrow account.If they send me check with balance I will know exactly how much money dissapeared from my 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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OHIO XXXX TRANSUNION, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  : XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. XXXX. XXXX XXXX {$250.00}, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX should redact information that is unrelated to the dispute with this company. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA.

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

Please investigate this matter, close the account take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 
PERSONAL ADDRESS ARE INCORRECT ON MY ACCOUNT PLEASE REMOVE Sincerely, XXXX XXXX Enclosures : [ List what you are enclosing ] Identity Theft Report Copy of Credit Report please remove all address, unknow theif used different address to open credit in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, OH 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 2020-09-28
Company: EOS Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear XXXX ; I'm not quite sure what's taken so long, but it's been more than 60-90 days that i request your company and credit bureaus to look into this but for some reason, I haven't received any correspondence about this account. It's impossible that this collection was investigated and we're going into 3-5 months and I haven't received anything. It continues to report in violations and it continues to illegally re-aged. It's incomplete, inaccurate, and obsolete. I'm really shocked by the way that you're handling this situation and I would rather not spend or waste anyone 's time, and would rather want this deleted from my credit report. Not even the account status was updated if it was indeed looked at.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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: Account information incorrect

Complaint:
On XX/XX/XXXX I submitted a complaint to TransUnion about multiple inaccuracies on my credit report. They received my complaint and on XX/XX/XXXX acknowledged that there was a dispute of information appearing on my credit report. I asked them to remove all accounts with inaccuracies as a fair resolution but they decided to update the information on my file. Although they claimed to update the information on my credit profile they didnt actually update the information. My credit report as of XX/XX/XXXX has the same inaccuracies from XX/XX/XXXX. TransUnion didnt take the necessary steps to actually update my credit profile with accurate information nor did they remove it per my request. 


According to 15 U.S. Code 1681 ( b ) It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Also according to 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I have an Bank of American Pre-paid Card with the Sponsor being California EDD which paid me my unemployment funds and Covid pandemic funds in XXXX and early XXXX. In late XX/XX/XXXX my Bank of America Pre-paid debt card was frozen with a balance of {$860.00} in that account from my California EDD funds. It has been frozen for over a year now. I have talked with Bank of America 10-12 times with both front line personnel and managers the answer is always the same : We can not help you, you have to call your sponsor California EDD to request the account be unfrozen. I have contacted EDD 8-10 times over the last year, my ID verification has been clear twice with them and they have nothing on hold or anything in my records to prevent an account from being unfrozen. EDD has requested my account with Bank of America to be released least 6 times. Bank of America has my money which belongs to me and is rightfully mine but will not release the funds. HELP!!! Nobody can get to anyone who has the ability to release my account. Is BofA or EDD just going to steal my funds? It is now starting year number 2 -- - What do I do??

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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 fourth 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 alleged fraud or extortion. XXXX XXXX XXXX Balance : {$370.00} XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX Balance XXXX {$25.00} XXXX XXXX Balance : {$190.00} XXXX  XXXX Balance : {$280.00} XXXX  XXXX Balance : {$480.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXXXXXX Balance : {$55.00} XXXX XXXX XXXXXXXX Balance : {$10.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXXXXXX XXXX Balance : {$5.00} ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX T XXXX XXXX Balance : {$330.00} 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 2023-01-25
Company: Experian Information Solutions Inc.
State: PA
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 am writing to advise I have been a victim of identity theft for the following account XXXXXXXX XXXX XXXX XXXX  XXXX hard inquiry. I did not authorize the use of my name or personal information to obtain credit loans, goods and or any other services pertaining to this report. I am requesting this fraudulent accounts be corrected as soon as possible.

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 2023-02-09
Company: DISCOVER BANK
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I contacted discover over plain tickets I bought that the tickets got canceled and because it was done through a second or third party the airline couldnt refund me. 
I have contacted the airlines and filled a complaint and discover would not refund the money because I cant get proof from anybody showing the tickets where not used by me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Accounts have violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are addresses and employment information on my credit report that are inaccurate. I will like them removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Foris DAX, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Crypto.com allowed me to transfer XXXX to a fraudulent cryptocurrency options trading platform, XXXX, and I was not aware of the scam, although I am sure Crypto.com has the expertise and technology ro identify high risk and fraudulent websites and wallet addresses. I have lost approxiimatey {$230000.00} USD of my personal funds through this scam, with aprroximately {$190000.00} USD of that personal funds loss transferred through Crypt.com. 

Two documents are attached. These include my complaint letter conerning Crypto.com to CFPB, and my original complaint letters ( ADR and rebuttal ) submitted previously to Crypto.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
There were fraud charges on my account and I was notified because I got an email that charges went over my credit limit. I contacted Discover and they promptly opened a fraud case and sent me a new card. The scammer however was able to make a {$3000.00} payment via Discover 's automated phone system, using my bank account I had stored with Discover, that applied to my account 2 days later. This was XXXX XXXX. 

I contacted Discover in a panic because my bank account was negative. The agent assured me they would return the {$3000.00} within 2 days to my bank account with XXXX XXXX. The next time I called it was 5 days. Then it was 10-14 days. Since then I have called Discover over 10 times, including one phone session that lasted over 2 hours. 

I now don't even want the money returned to my bank. I just want it applied to my Discover balance so my card is basically paid off and I never have to deal with Discover again. The last time I called on XXXX XXXX and the agent told me she would have a special team resolve it for me within 48 hours. Another lie from Discover, today is XXXX XXXX. 

They have been holding my {$3000.00} in limbo- not applied to my Discover balance and not returned to my bank account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: DISCOVER BANK
State: NJ
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 spoke with a representative and told them I did not approve an inquiry and withdrew my application. I don't know if I will need to file a lawsuit in reference to this matter. It showed that I had an excellent score of XXXX prior to the inquiry. Now my score has dropped. I take this very seriously. I did not want this company to pull my credit report. I specifically spoke to a representative and told them this information. They said you can contact them to confirm the application has been withdrawn. I withdrew it almost immediately. The credit application ID # is XXXX with XXXX XXXX XXXX. It appears as the following on XXXX 's website/report. XXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2023. Also, I noticed several other duplicate inquiries from the same company multiple times on my report. I never applied for a Discover credit card. So why is this on my report several times? I can have an attorney file a complaint in court if needed. I know what inquiries I authorized, and these are not any of them. DISCOVER FINANCIAL S Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, IL XXXX XX/XX/2023. There are many other suspicious inquiries on the report which I will also file a lawsuit about/against if needed. This is very suspicious, and they need to remove this false information or possibly go to court about the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29
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 am interested in disputing all incorrect information on my credit report with trasnunion.

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 2023-01-30
Company: Nelnet, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Illegal Reporting of late payments to my consumer credit reports without my permission. Violation of code 15 US 1666B- Billing erroXXXX XXXX XXXX XXXX XXXX XXXX, nelnet, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
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:
My name is XXXX 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 explanation
Consumer complaint received 2023-01-11
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My complaint is regarding Comenity Capital Bank 's dysfunctional website and their horrible customer service or lack thereof pertaining to the XXXX XXXX XXXX Credit Card. I have contacted them several times by telephone and secure messaging in an attempt to resolve the problem without success. The credit card account was converted from XXXX XXXXXXXX XXXX to Comenity Capital Bank in XXXX of 2022. Since that time I have been trying to redeem my rewards balance of {$20.00} for a direct deposit to my checking account using the online redemption function but it is totally dysfunctional. Since the function is not working I have requested them to send me a paper check and they never responded to that request. 

I would like to add that I am not the only holder of this particular credit card that has issues with this bank. I have seen complaints posted on an online complaint board website. So, this is not an isolated incident.

Company response to consumer: Closed with monetary relief