BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I initiated a wire transfer for {$110000.00} from a savings account with XXXX by Goldman Sachs to credit my checking account at XXXX XXXX Bank. The request to initiate the wire was made at XXXX on XXXX XXXX. I called for a status update at XXXX and was told the wire was being processed. At XXXX pm the wire had not credited my checking account and when I called for a third status update I was informed the client support system was offline and my transaction could not be reviewed. At XXXX pm I called again and was told the wire was still being processed but no update could be provided. No answers outside of the wire is being processed have been provided and XXXX refuses to explain the delay. This is not a first time wire and multiple have been sent between these accounts, both in my name, in the past.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Ive been banking with WF for 15 years. I was a victim of a XXXX through Wells Fargo. 
I found complaints with all the different organizations including the cfpb and was denied my claim. 
I have discovered additional information regarding this case that Wells Fargo has closed. 
The text message the scammers sent me is on the same chain link of messages that Wells Fargo has been sending to me for years. That means the scammers hacked into Wells Fargo text message center..!!! 
Also... The authorization code the scammer sent me.. I did not approve that transaction, I was tricked and coerced into sending that money. 
Regulation E, And unauthorized ETF includes a transfer initiated by a person who obtained the access device from the consumer through fraud or robbery. 
I was fraudulently induced into sharing account access information by third party scammer. 

the bank must reimburse the money I lost through the scam

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 2021-06-23
Company: AES/PHEAA
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 status incorrect

Complaint:
XX/XX/XXXX, I was undergoing a student loan consolidation ( with Fed Loan ) and entered the income based repayment program. As the paperwork was being processed during XX/XX/XXXX through XX/XX/XXXX, AES reported my student loans were delinquent. However, the process was taking longer than expected. I called AES to dispute before it was reported and I was told there was nothing they could do to quicken the process. I also contacted FED Loan who currently manages my student loan debt now and they could not do anything to quicken the process. So AES reported, delinquent payment for XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
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:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$13000.00} XXXX XXXX {$440.00} XXXX XXXX {$1400.00} XXXX XXXX {$10000.00} XXXX XXXX XXXX {$440.00} XXXX XXXX {$310.00} XXXX {$1300.00} XXXX XXXX {$130.00} XXXX  XXXX {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After I made the decision to use my rights under FCRA, I was looking to challenge any inaccurate information in my credit reports. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are impacting my credit score and my ability to get loans. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can TransUnion report this? With all due respect, the claims within my report are wrong. TransUnion have to follow proper procedures if these claims are in their system and to be used in my credit report. I challenge the accuracy and fairness of TransUnion findings by demanding evidence before they make any claims and take such drastic measures against my reputation. I know that TransUnion cant just decide which rules apply to their organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. TransUnion have yet to provide me records documenting how they verified and validated these accounts/claims. TransUnion proof of each negative claim that has been placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need TransUnion to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving TransUnion 30 days to investigate. These allegations are without merit. TransUnion must provide accurate and verified information for each claim. If any of these claims are not true, TransUnion must delete them immediately so I can restore my good name. On XX/XX/XXXX  I sent my detailed complaint to TransUnion via certified mail which a copy of the detailed complaint has been attached to this complaint. Including a copy of my driver 's license, social security card and utility bill.

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 2020-03-05
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have filed two CFPB complaints # XXXX-XXXX  on XX/XX/XXXX, and # XXXX-XXXX  on XX/XX/XXXX. 
Both were closed when Chase Bank replied to the complaints. I would like the complains to be reopened. I provided feedback to the replies for the second complaint, but it seems that my feedback has no effect to reopen the complaint. 
As I stated in my feedback, Chase 's response to my complaint was totally inadequate. They " SUSPENDED '' my fund 's and offered no method for me to receive them, or have them returned to the issuers. 
I have called the Chase Executive Office numerous times at the number at the bottom of their reply, and was given the extension number for a man named XXXX at XXXX. 
I have called the extension numerous times, and each time I have left a voice message explaining my case, but have not received a return call. 
I would like my complaints to be reopened so that Chase would have to reply to my feedback/ complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Experian Information Solutions Inc.
State: OK
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:
XXXX ( XXXX XXXX XXXX XXXX ) is reporting on my experan and XXXX incorrectly. I have tried working with Experian and XXXX over and over and have also sent several letters. The payments status is incorrect and the remarks are not correct. This is not a collection or charge off. I have never had a loan with this company please get this resolved asap. I want the payment status and remarks corrected. This should not be reporting as derogatory 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 2023-05-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Dividend finance online system is faulty. I setup ACH payments. For some reason the XXXX payment shows past due for XXXX days even though I got a text message confirming that they received the payment and the payment history online shows that they received the payment. But now they are asking for another payment. I am not sure why they want a second payment for this month if they already received. The customer service rep lied and said I have always been XXXX month behind and have been playing catch up which is not true because I check my payment history since the beginning of the loan. After telling him that they are saying the bank returned the payment. I am looking at my bank history online and there are no returned payments. I would like the fees to be taken off my account and for them to remove any derogatory credit reporting as I have automatic payment and ample funds in my account. If they didn't process the payment that is on them, they have my permission to do so. I just made a one-time payment online and it says it is in process but I should've never had to make a second payment in the first place. The payment should have been processed via ACH the first time. The rep on the phone wanted my debit card number, something doesn't seem right about this whole scenario. The representative lied to me and now wants my debit card number???

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: CT
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX # XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX CT XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX CT XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; CAPITAL XXXXXXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$820.00} ; ( Original creditor ) XXXX Date opened : XX/XX/XXXX Balance : {$28.00} ; ( Original creditor ) XXXX Date opened : XX/XX/XXXX Balance : {$40.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXXnquired on XX/XX/XXXX ; XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I declare under penalty of perjury ( under the law of United States, if executed outside of the United States ) that the forging is true and correct to the best of my knowledge. Further I clarified that I am permitted by federal and state law to file this dispute I also understand that knowing and willfully misstatements or o omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identitying information to apply for goods, services, or money ; and was successful in creating some accounts all is being investigated by the FTC. XXXX, XXXX XXXX XXXX # XXXX XX/XX/2019 {$1800.00} is 100 % fraudulent.

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 2022-02-12
Company: Flagstar Bank, N.A.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
WE PURCHASED OUR HOME IN 2020, AND THE MARKET HAS GONE UP CRAZY FAST, WE HAVE CALLED TWICE TO GET THE PMI REMOVED AS OUR VALUE IS WELL ABOVE WHAT IS NEED TO REMOVE THE PMI. FLAG STAR IS REFUSING TO HELP START THIS PROCESS, AND SAY WE NEED TO WAIT TILL A LATER DATE IN XXXX. WHEN WE BOUGHT THIS HOME THE LENDER XXXX XXXX NOR THE LOAN OFFICER, NOR THE CLOSING AGENT SAID ANY THING ABOUT WAITING 2 YEARS. 
EVERY ONE WE KNOW IS GETTING THE PMI REMOVED BY HAVE THE LENDER ORDER A BROKER PRICE OPINION. THEY ARE SAYING ITS THE INVESTOR RULE. THIS RULE WAS NOT TOLD TO US, NOT DISCLOSED TO US, NOTHING. ME AND MY FINANCE PURCHASETHIS HOME AS : XXXX XXXX XXXX AND XXXX XXXX XXXX AS SHOWN ON THE STATEMENT THIS IS MY 3 COMPLAINT, THEY KEEP SAYING WE ARE NOT ON OUR OWN MTG. 

THE MORTGAGE STATEMENT IS ATTACHED.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My recent credit report review caused me severe XXXX. I found that what is being reported is unverified, inaccurate and extremely problematic. My credit is being grossly misrepresented and now I can not get new credit at reasonable rates and it is preventing me from getting funding for my business which can very quickly become detrimental.

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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
UPDATE THE LATE PAYMENT REMARKS

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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
All three bureaus are incorrectly reporting my credit card balances and its hurting my score drastically

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 2023-11-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have made two attempts to correct inaccurate information listed on my credit report with Experian by sending certified letters. The first letter was sent on XX/XX/XXXX, and the second one was sent on XX/XX/XXXX. Despite my efforts, the incorrect information, which includes my date of birth and addresses, remains on my credit report. This has caused frustration and XXXX, as I worry about the potential impact this could have on my credit score and financial future. I am now considering other steps to take in order to resolve this issue and ensure that my credit report accurately reflects my personal information.

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 2023-03-31
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:
I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include [ list fraudulent account details ], are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. The following items should be removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX MO CHLD SPRT XXXX Balance Owed : {$7500.00} XXXX XXXX  Balance Owed : {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.

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 2023-12-05
Company: Resurgent Capital Services L.P.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to inform you of your violation of the Fair Debt Collection Practices Act ( 15 USC 1692 ) and to demand the immediate cessation of all communication, collection activities, and reporting to credit reporting agencies concerning the alleged debt. 

Under 15 USC 1692, you are required to adhere to specific rules and regulations when attempting to collect a debt. It has come to my attention that you have failed to comply with these regulations by engaging in [ describe the specific violations, such as harassment, misrepresentation, or unfair practices ].

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
discover had never sent a written agreement or a promiesnary note but none was provided also the debt been sold to the company i ask to deleted the acct base it wasnt supose to be on my credit report i didnt give written consent in my right been violated for added information on my credit report without permission. `15 U.s code 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received a copy of my credit report by my mortgage lender and it shows that this account is in collections. I have never received a phone call, a letter or any information of validation of debt. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Provide a copy of my signature with the provider of service to release my medical information to you. This is the last opportunity I will give before filing a HIPAA complaint to HHS.gov and taking this case to my state attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: LEXISNEXIS
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I received a letter from the UNITED STATES BANKRUPTCY COURT FOR THE EASTERN DISTRICT OF VIRGINIA OFFICE OF THE CLERK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE BANKRUPTCY CLERK STATETED IN THE LETTER THEY DO NOT VERIFY INFORMATION WITH CREDIT REPORTING AGENCIES. ALSO, THEY DO NOT REPORT INFORMTION TO CREDIT REPORTING AGENCIES OR LEXIS NEXIS. SO HOW WAS THIS ACCOUNT VERIFIED???? 

NAME : XXXX XXXX XXXX : # XXXX ADRESS : XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX *DELETE THE XXXX  XXXX BANKRUPTCY FROM THE EASTERN DISTRICT OF VIRGINIA  THATS BEING REPORTD ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation