BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-11
Company: Experian Information Solutions 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:
Was Joint Account holder on an auto loan at XXXX XXXX XXXX from XX/XX/XXXX until account paid in full XX/XX/XXXX. Although the Credit Reporting company lists the loan correctly on my report, it continues to fail to properly note it on all XXXX and other aggregate scoring ratings. The company 's failure to factor in this loan is listed as two adverse key factors with the notations " Lack of recent installment loan information '' and 'Length of time accounts have been established ''. 
The company also has an additional incorrect adverse factor of 'Too few accounts currently paid as agreed ' in that there are NO accounts with late or slow pay. All accounts have been paid as agreed for the length of the reporting period and all paid in full in 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 2023-06-29
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2023 I called Marcus ( Goldman Sachs ) to close my savings account as I was leaving the country. The balance was {$230000.00} I was told it would take up to a few days to transfer the funds to my XXXX account. I called after a few days and was then told it would take up to XXXX working days. I called again on XX/XX/2023 and spoke to a supervisor. I had to repeat the entire process to close the account. I was told it would take up to another XXXX days to close the account, but they would try and expedite it. I was given a case number ( XXXX XXXX XXXX XXXX ). After XXXX days I still had not received the funds. I called Marcus again on XX/XX/2023 and spoke to a supervisor. I was simply told that it would be reviewed and someone would contact me in XXXX to XXXX days. I asked if I could speak to the supervisor 's supervisor and was told it would take XXXX to XXXX days for them to contact me. This has taken so long now that I have already relocated to XXXX and there is a small time window to speak with supervisor due to the time difference. 

My money is still stuck in the Marcus account and there is no way to physically go into a branch to speak to someone. You can only call and continue to be told to wait a few more days. A simple request to close my account and transfer the funds to my XXXX account has taken XXXX weeks and I seem to be no closer to getting my money. The Marcus web site still says the funds are available to use, but when I try an online transfer I get an error message which tells me to call Marcus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-06
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to fix 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022, I went to the bank to deposit {$300.00} in the ATM. Bank : XXXX at XXXX and XXXX in XXXX : XXXX XXXX XXXX XXXX, XXXX, IL XXXX Only {$100.00} was accepted in ATM. So I proceeded to the teller to deposit the remaining {$200.00}. These were 2 older {$100.00} bills that my parents gave me as a gift. 
At the teller, two Chase employees stood behind the counter to help me. As I gave them the money, they told me to press the green button saying I am depositing the money. Trusting the bank, I pressed the green button without reading the prompt and I left the bank without checking the receipt. Fast forward a few weeks and I notice in my bank account, that the money I deposited was counted as a withdrawal. So not only did the {$200.00} I gave them not get deposited, but they also took away {$200.00} as if I withdrew that money. Hence a delta of {$400.00}. I rushed to the bank and asked them to investigate and they took their time : weeks of saying we are looking into this but there is no case or claim number or phone number to ask. I would call, email and visit the branch on a weekly basis and not hear any updates. The corporates chase claim 's investigation phone number they gave me 15 days after picked up once to ask me when I logged the claim and I never heard back from them even after numerous tries to call them over many weeks. Then the branch calls and say they reviewed the claim and I am wrong. I suspect they didn't review it and just want me to give up. Also when I tried calling corporate 's chase or the claim number either no one picked up or they told me to call the branch. I tried reaching out to chase by XXXX messenger and they tell me someone will reach out immediately but no one ever does. 
I go to the bank and ask for the recording, they say they need a police report. I get them one the next day and then 2 weeks later they say they need a subpoena from the police. I call the police and speak with numerous detectives and they say chase is just trying to put this under the rug and delay the process until I give up and that sadly the police isn't allowed to subpoena this and I should contact the CFPB. 
So please help me get my money back. I know I am right and the bank is covering this up or reviewed the wrong recording. I didn't leave the bank with {$200.00}. I walked with {$300.00} and left with {$0.00} but only {$100.00} was counted as deposit and {$200.00} was mistakenly counted as withdrawal Here is the chase claim number : XXXX XXXX Here is the police report number : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: DISCOVER BANK
State: FL
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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section 604 a section 2 " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies do not have my consent to furnish my information and they do not have my written consent. 15 USC 6802 ( b ) ( c ) I do not consent and revoke any and all verbal, non-verbal, written, implied, all assumptions to disclose nonpublic personal information to a nonaffiliated third party " 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: TX
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:
It has been more than 90 days since origionaly requesting the validation of all fraudulant accounts under section 609 of the FCRA. Validation or removal has not been completed by your company. You have violated my rights and caused me harm of proper place to stay as well as auto service due to the misuse of my credit file from me being a victim of identity theft. 
You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In generalSubject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to theConsumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, andFederal Trade Commission.

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 2023-08-29
Company: Experian Information Solutions 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:
Experian XXXX and XXXX are reporting charges offs on my credit report with balances, according to US Code Laws that is a violation of my rights and is against the law. All charge offs by law must report XXXX balances since the debt was sold to a collection agency. 

Account name XXXX Account XXXX XXXX Balance {$140.00} Account name XXXX XXXX XXXX  Account number XXXX Balance {$55.00} Account name XXXX XXXX XXXX Account number XXXX Balance {$65.00} Account name XXXX XXXX XXXX Account number XXXX Balance {$160.00}

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 2020-02-21
Company: EQUIFAX, INC.
State: NV
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 VICITM OF IDENTITY THEFT, I HAVE REACHED OUT TO THE BUREAUS NUMEROUS TIMES AND REQUESTED FOR THE FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY. I HAVE SENT MY IDENTITY THEFT REPORT TO THE BUREAUS AND DIRECTLY TO THE CREDITOR. WHAT I DON'T UNDERSTAND IS WHY DO I KEEP SENDING TO THE MY IDENTITY HTEFT REPORT IF THEY ARE NOT GOING TO HONOR ANYTHING, MY STORY IS THE SAME, I AM VICITM AND I NEED THE BUREAUS TO UNDERSTAND THAT. I AM VICITM, I AM VICTIM, THIS FRAUDULENT ACCOUNT NEEDS TO REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: TX
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: National Credit Systems,Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have negative debt on my credit report thats a joined debt with a person I never authorized my consent or even given my information too for them to use. I need to get this off my credit report because its affecting my score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: TX
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, this creditor has violated my consumer rights. Under 15 usc 1681 sec. 602 states I have the right to privacy. 15 usc sec 1681 sec 604 A sec 2 : a consumer reporting agency can not furnish an account without my written instructions. 15 usc sec 1666B a creditor may not treat a payment on an open consumer credit plan as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions 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 Data 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 2023-08-22
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12
Company: Premium Credit Bureau
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: Account status incorrect

Complaint:
On my credit report there is a XXXX XXXX  XXXX second mortgage account that shows as being a charge off, which is incorrect. This loan was refinanced by XXXX in XX/XX/2013 it was not charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: DISCOVER BANK
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I AM VICITM OF AN IDENTITY THEFT, I HAVE BEEN SCREAMING ABOUT THIS FOR THE PAST ONE YEAR IF NOT LONGER, THIS IS RIDICULUS THIS FRAUDULENT XXXX BALANCE ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. A THIEF HAS MAINTAINED THIS ACCOUNT AND MADE CHARGES ON THIS ACCOUNT, THE CHARGES AND THE ACCOUNT IS FRAUDULENT, IT IS NOT MINE, DOES NOT BELONG TO ME. 
THIS FRAUDULENT ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit ( 2 ) Insurance ( 3 ) an application for employment, or ( 4 ) a court order.

The Following inquiries are unrelated to one of the allowable purposes, as 1 has reiterated from the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: IL
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 third 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

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 2022-12-29
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our home was impacted by Hurricane Ian ( XX/XX/XXXX ) it sustained substantial damages including roof and water damages loss of use due to mold and the roof coming off the home. We filed an insurance claim and have been sent a partial payment of our loss which had the mortgage company 's name on it. They have held the monies {$73000.00} in an restricted escrow account ( XX/XX/XXXX ) and have not released any monies to us to start repairs on our home even after submitting documentation to support ( XX/XX/XXXX ) that we have paid out of pocket to start the repairs including electrical work, a deposit on the roof and money to attempt to repair the air conditioning unit. We have been trying to get funds since XXXX. We now have paid the roofing company to get the roof on {$9900.00} and they the company still has not released the funds and we get different amounts that they say they will release and some agents say that they will release 25 % would be approximately {$18000.00} which would cover the roof but then we get another agent that said that they will only release {$10000.00} ( XXXX in resolutions dept XX/XX/XXXX ) due to the status of our mortgage at the time of loss which was in a modification status ( which was approved ) and the mortgage company does show that our account is current. Our home continues to deteriorate because we can not get the repairs done with out the funding. We can not get the company to release the funds. We are unable to live in the home due to the damages and will continue to incur costs above our normal budget and put us further behind and continue to put us in financial hardship. I have called to the loan modification department to see if they can talk to the claims department to advise of the status and was told it does not matter and they will not change it. We offered to provide the company with the copy of the work permit signed by the county showing that the work had started and that they should release the funds and they would not accept that at proof. They have scheduled an inspection on our property for XX/XX/XXXX which is the earliest that they will come out and that would only to release the roof funds but the roofing company will likely put a lien on the home because I do not have the funds to pay them the final payment for the roof as Loan Care claims department will not release the funds. Please 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 explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: GA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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