BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
NEW ACCOUNT MADE WITH MARCUS BY GOLDMAN SACHS TRANSFERRED XXXX FROM CITIBANK ACCOUNT WENT TO WITHDRAW XXXX TO PURCHASE NEW CAR, ACCOUNT LOCKED XX/XX/XXXX. 
CALLED TO UNLOCK IT, PHONE NUMBER WAS STILL SWITCHING OVER TO MY NAME SO AFFIDAVIT OF IDENTITY WAS REQUIRED TO VERIFY TO UNLOCK ACCOUNT. 
FIRST AFFIDAVIT WAS NOT SENT, RECEIVED SECOND ONE ON XX/XX/2023. RECEIVED BY COMPANY ON XX/XX/2023. 
MULTIPLE REPRESENTATIVES GIVEN INCORRECT INFORMATION EVERY TIME, FOLLOWED DIRECTIONS PROVIDED BY THEIR COMPANY REPRESENTATIVES. WAS TOLD TODAY AFTER TOLD MULTIPLE TIMES WHEN AFFIDAVIT WAS GOING TO BE VERIFIED IT WAS REJECTED AFTER FOLLOWING THEIR COMPANY 'S DIRECTIONS. 
I SPECIFICALLY ASKED IF I SHOULD BUT MY ADDRESS ON MY DRIVERS LICENSE, WAS TOLD THAT IT WAS REJECTED DUE TO MISMATCHING ADDRESSES? NO FURTHER CLARIFICATION. A REPRESENTATIVE SPECIFICALLY TOLD ME TO DO THIS AND NOW IT WAS REJECTED. 
WHEN ASKED IF MONEY CAN BE SENT BACK TO ACCOUNT GIVEN NO ANSWER AND UNABLE TO SPEAK TO ANY MANAGEMENT REGARDING ISSUE X1 HOUR. 
XXXX USD CURRENTLY LOCKED OUT OF ACCOUNT SINCE XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: Experian Information Solutions Inc.
State: MO
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:
My credit score should be XXXX All three Credit Reporting Agencies have not corrected my credit score. I  feel I being Discriminated against because I am 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 2023-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I was robbed and became a victim of fraud and lost XXXX dollars. I submitted the fraud claims as soon as I found out. I also obtained a police report and submitted that. After several hours of sitting on hold with BOA XXXX department and getting nothing accomplished I began reaching out to supervisors, still BOA continued to give me illegitimate reasons why I was unable to be reimbursed. The transactions made were all from establishments with cameras that can easily be viewed and identify that it was not me making the transactions, so I'm unsure of what kind of investigation was done. BOA told me that because " it was highly unlikely that someone would be able to guess my PIN '' I thought that was supposed to be there security feature to protect me! They also told me that I was " receiving notices on my phone of fraud '' that to this day I do not have. Another excuse they tried was that " I didn't try to empty my account '' which I did. After filling a complaint with CFPB BOA resolutions department reached out and did was able to expedite the process and get some things resolved. I have a XXXX XXXX of every letter I received from BOA and every person I have talked to. I received a letter on XX/XX/XXXX stating that a claim for XXXX dollars has been resolved and that the account has a permanent credit. Yesterday I received a letter dated XX/XX/XXXX stating that the same claim was not approved. I think that BOA is coming up with excuses to try to steal my money. I have flooded there media with complaints and am getting exhausted with this process and just want to part ways with this bank but they wont take the restrictions off the account so I can close it. I am a career firefighter and integrity is a trait we need to hold, I feel as if BOA is questioning my integrity and trying to steal my money! I need help!

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 2019-01-24
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to you to complain about First Federal Credit Control XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I have found adverse account information listed on my credit reports, mainly XXXX. I have no known or verified accounts with this business and after repeated verification request FFCC has not responded to my certified letters and continue to report to XXXX  in violation of federal law. This company unlawfully reported to XXXX  as resent as XX/XX/2019. First Federal Credit Control has continued to damage my credit rating and has caused me denial of credit by reporting inaccurate information to at least one of the three major credit bureaus ( XXXX  ). The two erroneous accounts are in the amount of {$310.00} {$150.00}. The accounts are erroneous, inaccurate and unverified and remain on my credit report causing adverse actions as well as denials of credit and adequate housing. I attempted to contact First Federal Credit control multiple times via registered USPS certified mail with return receipts which prove FFCC has blatantly ignored my attempts resolve this issue and they have not responded to my requests. Please contact me to let me know how to resolve this issue. This has been ongoing for over a year with this company and enough is enough!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
We bought a car at XXXX XXXX, XXXX TN XXXX ... XXXX XXXX arranged the financing or the car purchased. XXXX XXXX, 2016 ... transaction date. XXXX XXXX did several inquires for the credit to be issued for the car note. Those credit inquires were to be counted as XXXX inquiry. Transunion Credit Bureau counted them as XXXX separate inquiries, however the inquiries were for the same purpose ... purchase a car. This is wrong and has not been revised..it is obvious same day ... same hour, same purpose, same vendor. 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 2023-09-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXXBalance : {$16000.00} ; XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX Balance : {$110000.00} ; XXXX XXXX Balance : {$2200.00} ; XXXX  XXXX XXXX Balance : {$120.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: WA
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 submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-17
Company: ID Analytics, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Chime Financial Inc
State: NV
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:
On XX/XX/XXXX there were 2 unauthorized transactions one for {$32.00} and one for {$85.00} that i did not make one was at a restaurant in texas and one was in California so i dont know why my dispute wasnt approved the time diff is a hour apart so theres no way i couldve made those transactions by the way i stay in Nevada . I tried to rebuttal twice but my dispute was denied twice by chime even though the evidence is clear as day I'm so stressed out about this situation all I want is my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: AL
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 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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-09-21
Company: WELLS FARGO & COMPANY
State: CA
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:
My small business did COVID testing for industry last year. I tried to take my little band of overworked doctors, nurses, and paramedics on a vacation ( XXXX ) when the vaccine came out ( XX/XX/XXXX ). We booked a " featured '' getaway on XXXX  using my Visa card for a {$8200.00} deposit, then discovered there was absolutely no way to attend, the borders of XXXX have been closed for months. ( Now I'm in XXXX I think it was totally misleading to advertise the booking at all, it's really hard to travel here and impossible to get to XXXX and everyone local knows it, the host was really misleading as well ). 

I cancelled the booking months in advance ( XX/XX/XXXX ) but XXXX never refunded, although the listing said 100 % refund if cancelled 30 days in advance when I put the deposit down. 

I issued a chargeback with my bank Wells Fargo, and they submitted it twice to Visa ( Wells Fargo ID # XXXX, XXXX ID # XXXX ) But XXXX  just gave XXXX bad information saying that they were going to offer me a voucher instead and Wells Fargo can't appeal it. 

At the same time XXXX told me on the site that I was being refunded by the chargeback! They continued to show a refund owing until XX/XX/XXXX, then removed the refund from the account XX/XX/XXXX. ( I have screenshots of all of this ). 

I'm totally at a loss, it's basically outright theft of $ XXXX from my small business and my poor staff never got a vacation. I still can't believe XXXX could get away with it and Visa didn't defend me, why isn't the chargeback system working?

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 non-monetary relief
Consumer complaint received 2022-04-18
Company: U.S. BANCORP
State: OK
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:
I have a secured credit card with Elan Financial Services. It is a XXXX card set up through my bank, BancFirst of XXXX Oklahoma. The prepaid amount is {$5000.00}. Every time I would make a payment they would draft it directly from my bank account, so they had the money instantly but they would hold it for 8 days and not apply it and charge me interest those 8 days for a balance I really no longer had. I would try to call customer service and they would bounce me around, put me on hold 10-12 times and then eventually hang up on me, so I cancelled the card and paid off my balance on XXXX/XXXX/2022. They are refusing to give my {$5000.00} dollars back. They say it is under review and they wont be done even reviewing it until mid May but yet the card is already cancelled. They are simply holding my money for no reason, the same way they did when I would make payments.

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XXXX I sent XXXX XXXX XXXX a notice to opt of out any and ALL authorization i may have previously given allowing them to share any of my information with any 3rd party companies. They are still reporting to the credit reporting agencies. Therefore, not honoring my request! Per 15 USC 6801- 15 USC 6805, 16 CFR 313.7, privacy act of 1974 i have rights as a consumer that i chose to exercise. Also, reporting certificate of indebtedness on my report. which is considered income which can not be reported!

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I placed XXXX order back in XX/XX/. Phones were purchased and than returned to XXXX immediately in upcoming days. XXXX refunded the whole amount to me. Later after few weeks XXXX bill showed up for {$82.00}. I called and XXXX removed {$82.00} as order was returned and balance was XXXX. Since XXXX XXXXXXXX account XXXX on my credit report show as paid after payment late/collection account. This is absurd. This account should not even be on my report as this account was closed due to me returning the order and XXXX made me sure balance is XXXX. I have attached order detail which show order place confirmation and refund confirmation. I would like to request credit bureau to remove this account from my profile immediately. This does not belong on my credit profile by any means. Credit bureau should contact and they will says no balance is due and no balance was ever paid because this order was returned to them. So please remove this XXXX wireless account ending in XXXX effectively immediately. Look up for attached order /account details for more info. There is only XXXX XXXX account on credit report. So remove it. Thanks.

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 2022-04-18
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax furnished me with my credit report which included several inaccuracies and missing information. I initiated disputes, based on these inaccuracies. 

Equifax did not investigate my dispute requests. 

I want them to fix the following accounts : XXXX XXXX XXXX Account # XXXX : Delete because you did not update or correct the date of last of activity. 
XXXX XXXX Account XXXX : Delete because the date of last activity has not been updated or corrected XXXX XXXX XXXX XXXX  # XXXX : Delete for unknown collection XXXX XXXX XXXX  XXXX Account XXXX XXXX : Delete this account, because of inaccurate date of last payment ( XXXX ). Account was closed XXXX. 
XXXX  Account XXXX XXXX : Delete account, because the date of last activity is missing XXXX XXXX XXXX XXXX # XXXX : Delete account, because you are reporting a balance when there is none. 
XXXX Account # XXXX : Delete account, for missing date of last activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I need assistance removing account from this scam company collected my information and co tinues sending emails. In XXXX received email about how XXXX users no longer supported or given services. I received an email of this company 1 yr  after reported this company to police for obtaining social security and ID and personal information. They refused to delete my data and account even if they fraudently obtained my social security and information over phone. I currently not seeking loan this company as fell for scam.for this company kept asking me for my banking credentials and other private do which reason called XXXX XXXX XXXX in XXXX over what happened.I would like this company delete data and take down my I do as they refused and only fraudulently obtained my. formation over phone and email under XXXX would like this company to remove me.from their site and data as they refused even don't honor services for XXXX residents received bad service from company email and over phone. Is reason seek XXXX  help for them to close account they created fraudently

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: AL
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:
please remove all accounts and inquires reported on my identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation