BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-10
Company: GOLDMAN SACHS BANK USA
State: CT
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Goldman Sachs Bank XXXX XXXX failed to follow my instructions to close a XXXX account and transfer the balance to my linked external account. My XXXX  account reached maturity on XX/XX/2023. I called on XX/XX/2023 and gave instructions to close it at maturity and transfer the balance to my linked account at XXXX XXXX XXXX  ( XXXX ). The rep went over the details and asked me to verbally authorize. I did. 
On XX/XX/XXXX, XXXX days after the transfer ought to have occurredI discovered the funds were not in my XXXX account. I contacted XXXX and was bounced around by reps and specialists for more than two hours. 
When the last rep said she would submit my case for review which would take one to three days, I asked for a supervisor. The supervisor, XXXX, said the issue was something to do with verification of my XXXX account. That made no sense. I have statements from XXXX that prove my account at XXXX was verified months before ; and, when I gave instructions to close a CD account that matured XX/XX/2023, the funds transferred to my TSB account without a hitch. 
I suggested that the supervisor look at the XX/XX/2023 closing and transfer to XXXX as well as the verification that preceded it ( XX/XX/2023 ). I had no dealings with XXXX between that time and my XX/XX/2023 call to close the XXXX maturing XX/XX/XXXX so there was no reason or occasion for anything to change. The supervisor offered no explanation as to what went wrong. She expedited the XXXX closing and the funds appeared in my XXXX account XXXX XXXX days after they should have. 
XXXX submitting this complaint in the hope that the CFPB will take action to protect others from similar mistreatment. Consumers should not have to fight for what is rightfully and legally theirs. Had I not put myself through customer service XXXX, XXXX would still have my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: DISCOVER BANK
State: CO
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:
Date of transaction:XXXX The amount of money that I paid : {$1100.00} The company is Visible. 
The company sent the device and they did not arrive. They just said that they delivered the device without my signature. I contacted with the visible company and they asked me to uploaded the police report and I have uploaded the report and they denied to refund with no reason. They even deleted my account with no reason. I tried to talk to them and they did not seem to want to solve this problem and just cheat themoney!! I was so angry with this kind of company! I tried to claim on XXXX  and XXXX told me that visible has already claimed from them. So visible claimed the lost iphone from XXXX  and they did not refund me? What are they doing??? And also discover told me that they received a tracking number showing full proof of delivery to the shipping address, this shows the merchant has fulfilled their obligation to get the product to you. They did not consider the police report and other document. I was so angry about what they are doing!! They asked me to upload the document but did not consider at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Trans Union, XXXX, and XXXX are reporting inaccurate information on XXXX XXXXXXXX account number XXXX. It's reporting as 60 days 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 non-monetary relief
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting ACT XXXX  account XXXX and account XXXX has violated my rights 15 u.s.c 1681 section 602 A states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions

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 2021-11-03
Company: Harley Davidson Financial Services Inc
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX and XXXX Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX XXXX are reporting inaccurate information on HARLEY DAVIDSON FINA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: WorldRemit Corp.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I use world remit to send money, while I was using their app, it kept saying that make sure the receiver information was correct, so it said money send and then it said payment failed, but when to my XXXX XXXX account and worldremit already took the money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Do to my understanding someone use my personal information to uptain credit an use to be placed reported false information to uptain credit an fraudulent activity happened with these companies saling my personal information with out my permission with proved correctly information provided by government law illegally reported by government law I was issued one government name not muitplal I requested everything be removed do to identity theft freeze should be placed on my credit report until I fix this illegally activities full disclosure investigation

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: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 have filed a dispute with capital one informing them that my identity was stolen, ive filed a police report, etc and they verified account information as accurate and not fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
since XX/XX/2023 been trying to resolve with PNC bank and XXXXXXXX XXXX regarding this check issues {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2022-06-06
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX XXXX XXXX  opened XX/XX/XXXX XXXX open balance XXXXXXXX XXXX XXXX XXXX reported XX/XX/XXXX XXXX open balance XXXX XXXX reported XX/XX/XXXX XXXX reported balance XXXX  XXXX  reported XXXX XXXX XXXX XXXX reported balance XXXX  reported XX/XX/XXXX XXXX XXXX  reported balance has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX, TRANSUNION, AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ON ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX XXXX -- XXXX : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-06-06
Company: AmerAssist A/R Solutions, Inc.
State: OK
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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States l have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: ENCORE CAPITAL GROUP 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: Problem with personal statement of dispute

Complaint:
This account is fraud please validate. I told XXXX XXXX no one can help. Can i have an itemized bill, copy of contract etc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I closed on my refinance XX/XX/2020 the notary came to my home I signed all legal documents for closing and the documents are notarized. For the following two weeks the mortgage company called me to schedule a closing which I informed the company each time I already closed on XX/XX/2020.Lack of communication between the departments within the mortgage company. Also I was to receive a refund of {$300.00} no later than XX/XX/2020 from the mortgage company which I did not receive so I called the mortgage company on XX/XX/2020 inquiring about my {$300.00} and at that time I was informed the mortgage company made errors and information on my file was vague incorrect blank. Once again not my fault. The mortgage company gave the ok to the notary to come to my home and close the deal.Now at this point it worsened the nightmare I already been experiencing with the company. From XX/XX/2020 till XX/XX/2020 I called to discuss the issue the company was having I have gotten zero answers and the problem is still lingering like a bad headache. I left messages no one called back. I did everything I was suppose to do and quite frankly someone at the mortgage company needs to take accountability for the errors, lack of communication, unprofessionalism, waste of my time, and ultimately a living nightmare.

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 2022-06-06
Company: Experian Information Solutions Inc.
State: VA
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:
The company is completely ignoring the fact that these accounts were the result of identity theft and according to 15 U.S. Code 1681c2 - Block of information resulting from identity theft part ( a ) the company has failed to block these items resulting from the identity theft after notifying them of the fraud. They were provided with police reports and FTC reports, as well as a notarized identity theft affidavit. I have uploaded proof and documents of every document for the CFPB and Experian. 

The fraudulent accounts are : XXXX XXXX  XXXX and 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 2022-06-05
Company: AES/PHEAA
State: TN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The company FED LOAN SERVICING whose address is XXXX XXXX XXXX XXXX, PA XXXX has already deposited a 1099-C for the amount of {$20000.00}. I need my account updated to reflect that all payments have been paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: R & B Corporation of Virginia
State: VA
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 have filled a dispute concerning the incorrect items on my credit file. It has been a little short of 30 days and I have not received any updates regarding my investigation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. I am never been late on this 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 non-monetary relief
Consumer complaint received 2023-08-01
Company: BTH Management
State: SC
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:
Plaza Services LLC Reference Number: XXXX 

The Fair Credit Reporting Act (FCRA, Title 15 U.S.C.  1681 et. seq.) prohibits anyone to view a consumer report absent a 'permissible purpose' (see specifically  1681s-3(b)).

15 U.S.C 1681 section 602 A. States I have the right to Privacy. 

15 U.S.C 1681 section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions 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:
THIS XXXX  ACCOUNT XXXX IS REPORTING ON MY CREDIT FILE STILL AND IT IS INCORRECT. IT HAS BEEN DELETED FROM ORIGINAL CREDITOR ON XX/XX/2021 AND I NEED THIS INFORMATION UPDATED IMMEDIATELY

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 2023-05-03
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ERC is attempting to collect {$1200.00} for an XXXX XXXX XXXX account which is closed and equipment returned via XXXX. I was advised that no shipping label was required if returned via a XXXX store. My internet service is currently with XXXX, therefore, I am not sure why ERC is attempting to collect this debt. I am also writing XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Texas XXXX regarding this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Consumer Portfolio Services, Inc.
State: IL
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:
Consumer Portfolio is reporting a repossession and late payments on my credit report. That vehicle was traded in to XXXX XXXX in XXXX XXXX in XX/XX/2018. I was served papers and went to court several times for this account. Consumer Portfolio dropped the case because it was negligence on XXXX end. This has been reporting negative on my credit as a charge off for over {$20000.00} and its showing as late and repossession on my credit report. It is affecting my report and my progression in moving forward with repairing my credit. Can you help me get this resolved or removed?? Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am unaware of XXXX XXXX XXXX  much less the collection agency Midland Credit Management Inc., this is not mine and will work the credit agencies to remove. I would like to see what it's for and a purchase agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: MI
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:
I am the consumer filing this report please do not close without completion. Here are a list of violations on my credit report : USC 1681 SEC 602 ( A ) states that you have no permissible purpose by law to contact third parties with my personal information. " I have a right to privacy ''! You offenses amount to aggravated identity theft pursuant to 18 USC 1028 ( A ). You have knowingly transferred, possessed, or used w/o lawful auth, a means identification of me, which is a felony punishable up to two years of imprisonment, in addition to civil liability. This agency is in violation of 15 USC 1692G. They were to notify me of this in writing five days prior to and I was not. As the original creditor only I can validate the debt and i did not validate this debt. Therefore the following accounts must be deleted from my report. Failure to respond with deletion will result in {$1000.00} per violation for ; Defamation of character, fdcpa, 15 USC1692G, 15 USC 1681N, and negligent enablement of identity fraud.

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