BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-01
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX, I started receiving collection letter from Radius Global Solution LLC under behalf of XXXX XXXX I called that company to find what was about, they explained me that I have a unpaid credit line for almost {$10000.00}, which I explained them that I have never requested or opened a credit line with them. So I called XXXX XXXX and they told me same information and that the account was opened in XXXX. Immediately I made a request report. Days past and no word from them. I went to XXXX XXXX and I saw my score was extremely bad, then I called them again filing a new complaint, but basically they told me they would investigate and the results came back and made me responsible of that debt. today XX/XX/XXXX after several complaint, XXXX XXXX wants to make me pay a debt is not mine, including receiving calls from them telling if I don't pay they will take legal actions against me. This situation is affecting my life because I unable to do any king of business or preform work base on my career.

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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2021-09-06
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint because I am being extremely affected by Goldman Sachs, They are being completely unfair and I dont know how to get ahold on them but through this portal.

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation.

I started this Goldman Sachs accounts Apple card account online, I never received this card, leave alone any statements or bills. I did not have possession of the card. 
Later I found that I had been marked late for a XXXXcent charge on my credit report. 

When I called Goldman Sachs Apple card, I was told that my account was automatically linked to my XXXX  XXXX app store, and that I was prompted for this when I was setting up this account. 

I certainly did not authorize this, and if it was done, it was in the fine print that a customer can not even see. 

This late payment has destroyed my credit, I was about to file suit against Goldman Sachs, who have refused to remove the late payment.

As a last resort prior to taking legal action, Im submitting this complaint to see if Goldman is willing to resolve this matter by remove the late payment from my credit report. 

Account information : Account number : XXXX Open date : XX/XX/20 Balance : {$0.00} Remedy : remove the late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My personal financial information was provided to a third party without my consent. In fact it was provided to multiple parties which violated my rights. 
I am complaining because my banking institutions shared information that was then told to me by someone that has no business having information regarding my accounts balances. 

It was shared repetitively to multiple people and entities including but not limited to investigative agencies without legal accessibility requirement met It was also disclosed in a room full of additional ears. So not only was my information obtained it was broadcasted to multiple others without regard for my rights

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 2022-10-27
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Some lady started withdrawal funds from my savings account without my knowledge. I dont know how someone can just take out my money from my account and the bank not notify me of any suspicious activity. I have brought it up with my bank. Which is Bank of America. They looked into it and returned the funds the first time I went in. Few months later they took back the funds and said it was out of their limitation days, which is 180 days. I went back to the branch to talk to a representative. And some how he got some of my funds back to my saving account, then few months later they took it back again. Long store short my account is negative balance as of today. I dont know what kind of game this bank is playing but it not fare to the people. Because we closed that account and opened a new one. 
Date stated was 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 monetary relief
Consumer complaint received 2022-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Im writing to express my discontent about a matter involving my savings account. I received a notice recently informing me that my savings account would be converted to a checking account in 30 days due to exceeding a specific amount of withdrawals and transfers. In response to this notice, I contacted customer service to find out if its possible to make an exception to allow the account to remain a XXXX XXXX savings account. I spoke with several representatives and ultimately a XXXX by the name of XXXX who informed me that the bank is mandated to comply with Federal Reserve Regulation D which limits the number of withdrawals and transfers from the savings account and unfortunately there was nothing that would be done to intervene. I researched Regulation D and found out that the Federal Reserve Board lifted it in XX/XX/2020 which allowed banks to immediately suspend compliance with this regulation. 

Contrary to what I was told on the phone, banks are no longer mandated to comply with this regulation and it is up to their discretion as to whether or not and how it is enforced ( e.g. fee assessments ). Im more than happy to comply with the necessary fees if the account is allowed to remain the same type it currently is. As a long-time customer, Im requesting an exception be made to allow my account to remain a XXXX XXXX XXXX account and serve as overdraft protection for another account as is currently configured. The account has also been affected by fraudulent activity a few times which has affected its status. 

Ive spoken with several back representatives about this matter and am ultimately being told that it isnt possible to stop the account conversion process. If there is absolutely no workaround to stop the conversion process, Im requesting an accommodation to be made after the account is converted to a checking account. Im requesting that the checking account be converted back into a XXXX XXXX XXXX account or that I will be allowed to open another XXXX  XXXX XXXX account, with the same terms and conditions as the current savings account. 

I hope your organization is able to assist me in coming to an amenable solution. Thanks for your time and cooperation.

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 2023-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My bank is charging me for a fraudulent check. That was never deposited to my account. However they are not disclosing any information with my about the check nor the person information. I have filed a Police report as advised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
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: Account information incorrect

Complaint:
XXXX XXXX was done on XX/XX/2020 at the dealership. 

Recently I looked at a copy of my credit report and noticed an incorrect account. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate this item for me to ensure accuracy. 

Here is the item I am asking you to verify as reporting accurately : 1. XXXX XXXX XXXX XXXX After your investigation is complete, please send me the results via mail. 

Thank you in advance.

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 2023-09-27
Company: Spring Equity LLC
State: IN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
We started our refinance through XXXX Mortgage. They use the company Spring EQ for loans such as ours that involve refinancing and HELOC. This process started around late XXXX early XXXX of XXXX XXXX. We provided everything that XXXX needed and they would keep in touch with Spring EQ. As far as the first few months of the loan process go we are in the dark or have bits of information from XXXX about XXXX XXXX because Spring won't answer them or us. They kept requesting documentation all throughout the loan process even after we all assumed the underwriting process was over since it would take XXXX days which was quoted. We paid {$520.00} on XX/XX/XXXX to Springs appraisal company XXXX XXXX and got the paperwork back XXXX first. The loan process has taken so long that it has been restarted twice and now in a few days it will be a third time. The first loan I and my husband was apart of, so the appraisal was in my name since I paid for it. Now before we were told closing is soon they get a notice back from the appraiser that they couldn't go through with Springs request to change the name from mine to my husbands on the appraisal document. That it was illegal and Spring should have known that process. A simple name change turned into weeks of waiting and no response. The company has continued to ignore XXXX mortgage who has been waiting for a clear to close. I messaged Spring on XXXX today XX/XX/23 and they said the issue would be escalated and XXXX XXXX would reach out. I was told she was an XXXX, but when she called she said there was nothing more she could do and would escalate the issue again. We emailed XXXX XXXX as well and tried to contact her multiple times to no avail and it has been weeks. We don't have dates of action from Spring EQ because they haven't performed any actions. Spring had us lower our requested amount due to our appraisal being low ( though other places had us at a higher rate ). Each time we push out closing we increase the rates and lose the original amount we wanted. It's almost like they do it on purpose. My husband has taken off time for work to provide documents and deal with XXXX through XXXX. We both have received papers in the mail stated the loan was terminated due to incomplete credit application so we wonder if the company has been taking our personal information, but not doing anything at all.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
There are 4 inquiries made without my permission. I have since locked my account with XXXX due to identity theft. They are : XXXX XXXX  BANK ( Bank ) XX/XX/XXXX XXXX CO XXXX XXXX XXXX Bank ) XXXX XXXX, XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX CREDIT ( Finance XXXX XX/XX/XXXX I have called XXXX and Transunion regarding these hard inquiries to no avail. I have also called XXXX XXXX Bank and they said they saw no accounts and no credit card applications submitted with my social security as only South Dakota residents can even open an account or apply for a credit card with XXXX XXXX Bank and I myself live in another state.

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 2023-08-31
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My insurance company, XXXX XXXX XXXX XXXX, was trying to get a better home Insurance Rate from XXXX. It took 20 days to get a response from XXXX but finally on XX/XX/XXXX, 3 days before the expiration day, we had it. It went from XXXX XXXX plus to XXXX XXXX plus just removing my personal property from the insurance. We tried to make the full payment the same day we were told that Freedom Mortgage had already paid in full the XXXX XXXX dollars a few weeks before. Not an e-mail, not a letter, no information at all even when my account shows clearly that I do not want an escrow account. 
When I checked the Freedom Mortgage account a few days later I found a {$4700.00} escrow account not only for the insurance they paid but also for my end of the years Taxes. 
After checking the information, they posted on the web site, I called the Insurance Department to ask Why there was an escrow account and why they had paid for my insurance. He was not able to answer any of the questions, so he made a three line with the escrow department. We went over both questions, so the Insurance Dpmt guy went to check with XXXX about my policy. The communication broke so I had to call back again. Insurance guy told me ( a new one ) told me XXXX  won't give them the info What???? 
Then the escrow Department lady told me that it was a company policy to have an escrow account open, even when I told her that it was paid before the deadline ( XX/XX/XXXX ) We argue for quite a few minutes with no agreement. Sorry but if this is not racketeering, it is very close. I'm XXXX XXXX XXXX coming out of a XXXX, XXXX XXXX so I had to involuntarily stop working 3 years ago. My monthly payment has gone from {$1200.00} to {$1800.00}. Let me know if you need any doc 's to send them immediately. 
Thanks. 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 2023-05-12
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: ALPHA MIDCO INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They reported to credit bureau that I have an account in collections with them ( XXXXXXXX XXXX XXXX XXXX ) from " Sapientes Funding LLC '' in the amount of {$1700.00}. 
I called them when I found this on my credit report and they could not find an account in my name or with my social security number, so basically it did not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts 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 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Genesis FS Card Services, 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: Old information reappears or never goes away

Complaint:
I went bankrupt in XX/XX/2020. I have XXXX credit card accounts that are showing CLOSED THROUGH BANKRUPTCY, but still shows they were late, negatively affecting my score. I want them removed from my report like the rest of my accounts that were late, but are no longer showing on the report after the bankruptcy. I disputed these accounts multiple times in an attempt to have them removed without success. I contacted the companies and was told they could not remove the accounts. This is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 an alleged fraud or extortion. 
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 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 2023-09-13
Company: UNITED BANKSHARES, INC.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I requested {$500.00} from a, United bank ATM, but I was shorted {$120.00} dollars. This was on, XXXX the XXXX of this year. I filed a complaint with the bank, and I was rewarded my funds back, but then the cash was taken again.

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