BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/23 I deposited {$5000.00} USD into my Apple XXXX savings and all appeared to be fine. Today, XX/XX/23, I wake up to a notification advising that my account has been restricted and to contact support for further assistance. 

At approx XXXX, I spoke to an Apple Agent ( via text ) regarding my account and was advised that the account was restricted due to missing information ( that I was never asked for prior ) I provide said details to the agent and was told a REQUEST to unrestricted my account would be made and it could take up to 4 business hours to resolve. 

This is beyond infuriating and quite common as of late. There are hundreds of Apple XXXX clients who are in the same position as myself, but with much larger amounts stuck in limbowhich is why I was reluctant to place all of my money within this institution. 

Something needs to be done about this! Restricting ones funds with little to no explanation is plain wrong. I am now at the mercy of Apple HOPING to have access to MY money within a reasonable timeframe. 

XXXX XXXX should be ashamed of themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Ive reached out to all three bureaus multiple times over the past 2 years months asking for my personal information to be updated. They keep procrastinating they've also sent me a letter asking me to verify that it is me that's sending the letters, so I also sent hand written letters as well. But it is now becoming a huge frustration because there is a lot of inaccurate information on my credit file along with someone else name. At this point the neglect to the situation is absolutely unjust. This is hindering me from achieving my credit goals and is totally unfair to me as a citize. After multiple communications and still not completed.

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 2023-07-06
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023 at XXXX, I have initiated a money transfer online through MoneyGram, the amount was {$4300.00}, the funds were supposed to be deposited into XXXXXXXX XXXX XXXX XXXX  Limited bank account in the XXXX XXXX, on MoneyGram website, it says transfers of that kind takes 0-4 days to to complete. On the XXXX of XX/XX/2023, XXXX XXXX XXXX XXXX contacted me about the funds not being deposited in their accounts, I called MoneyGram to for inquiry, the manager has explained to me, I am having this issue because MoneyGram does no send money to businesses, and only deals with individuals and families, however they will work to make sure, the funds are refunded to my account, he also explained this usually takes 30 to 90 days for resolution, however I will get my money back earlier since I did not know of the consequences of sending money to businesses which they do not do, after three days I still did not receive the refunds, every time I call, they had a different explanation, they say we are still working to get your funds back. You put in the wrong account number and funds may be missing, which Challenge the Moneygram Managers constantly as that was not true, as matter of fact on the first day of my complain, all of that was verified, and the manager agreed all account numbers were correct, on XX/XX/2023 Moneygram sent me email saying they have completed their investigation and I should disregard whatever they told me previously, and they have deposited the funds in XXXX XXXXXXXX XXXX XXXX account. I called XXXXXXXX XXXX XXXX XXXX and asked them if they have received any funds and they said no, and even sent me they bank statement to back it up. I called XXXX and requested the transfer transcript as to verify if the funds were indeed deposited in XXXXXXXX XXXX XXXX XXXX bank account, XXXX tells me they have to investigate all over again, and it will take another 30 to 90 days, at this point I believe XXXX is not being transparent with me an some in their organization has stolen my money. On their report if states I have a right to the investigation report, the transfer history as the accounts money was deposited. I need to know what account they deposited the money into, if they claim they have deposited the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX, XXXX, Experian all have different information reporting on my credit report XXXX XXXXXXXX XXXX account numbers : XXXX XXXX XXXX XXXX account numbers : XXXX XXXX XXXX XXXX account numbers : XXXX XXXX XXXX XXXX account numbers : XXXX, XXXX, XXXX XXXX XXXX XXXX account numbers : XXXX, XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX account number : XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX 15 USC 1681 Section 602 ( A ) States I have the right to privacy 15 USC 1681 Section 604 ( a ) States a consumer reporting reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681n ( a ) ( 1 ) ( a ) states any person willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum. Also, any actual damages sustained by the consumer as a result of the failure or damages of not than {$100.00} and not more than {$1000.00}.

15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-08
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RightPath Servicing has and continues to XXXX fraud in regards to the appropriation of monthly mortgage payments I am sending to RightPath Servicing. RightPath Servicing sent letters on XX/XX/XXXX and again on XX/XX/2022, stating my insurance had expired, of which it did not. RightPath Servicing stated numerous times that I needed to purchase Hazard insurance or they would purchase this insurance on my behalf and assess me for it. I sent RightPath Servicing proof of hazard insurance, multiple times. RightPath Servicing XXXX  misled me by claiming I needed hazard insurance coverage, only to place a XXXX insurance policy on my property, and not hazard insurance. I have sent RightPath Servicing mortgage payments and have had these funds misappropriated by RightPath Servicing. Every mortgage payment applied to the fraudulent XXXX XXXX policy purchased by RightPath Servicing is considered a separate act of fraud, as is every mailed statement a separate act of fraud via XXXX mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX  Balance {$460.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$400.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} ; XXXX XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX XXXX XXXX Date Filed XXXX. 
XXXX, XXXX Reference Number XXXX ; XXXX XXXX  Bankruptcy : Bankruptcy Date Filed XXXX. XXXX, XXXX Reference Number XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried for the past 2 weeks to unfreeze my credit report and have not been successful. I am submitting this complaint through the cfpb for help in resolving this problem with the credit reporting agency TRANSUNION. They say I need to prove my identity because they cant verify it. To rectify this identity theft issue I have attached all my identification documents that identify myself, along with a request to unfreeze my credit report.

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 2023-07-06
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 that need to be investigated and corrected from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a free checking account on XX/XX/20 with a {$100.00} opening deposit from another bank account of mine. 

On or about XX/XX/20, I received a letter dated XX/XX/20 that said I needed to come in to a branch with documents to verify my identity or my account would be closed by XX/XX/20. 

The nearest BMO branch to my home is a two hour drive one way, and receiving the letter almost 10 days after it was postmarked caused me to just give up trying to fix the problem and I planned to just wait for the account to be closed and my opening deposit to be refunded. 

I have not received that opening deposit refund as of today, XX/XX/20, over a full month after the account was opened and 22 days after the account was supposed to have been closed. I called BMO today and the agent I spoke with said a cashiers check was sent XX/XX/20 to the address on file, but when I said I hadn't received it, she said all I could do to get my money back was go to a branch.

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, has violated my rights. 

XXXX : # XXXX, has violated my rights. 

XXXX XXXX : # XXXX, has violated my rights. 

XXXX XXXX  : # XXXX, has violated my rights. 

XXXX XXXX  : # XXXX, has violated my rights. 

XXXX XXXX : # 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 exclusions Number 2 ( a ) ( 1 ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also under 15 USC 1692 1692k civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

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 2024-01-08
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: Information belongs to someone else

Complaint:
I acknowledge your efforts in addressing some of the inaccurate entries on my credit reports. However, I have observed that several fraudulent items persistently remain in my credit history. I kindly urge you to expeditiously eliminate these items from my credit records. Enclosed herewith are the specific details of the items requiring removal from my credit reports as per the respective bureau : -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX : {$190.00} XXXX XXXX XXXX  Balance : {$910.00} XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX  Balance : {$140.00} -- -- -- -- XXXX XXXX -- TRANSUNION : XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX  Balance XXXX {$870.00} XXXX XXXX  Balance : {$2100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$890.00} XXXX XXXX XXXX : XXXX Date Reported XX/XX/2016 Reference # : 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 2023-02-16
Company: ALLIANT CREDIT UNION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to Alliant Credit Union for a HELOC for {$110000.00} on my property on XX/XX/22. Please see the attached Adverse Action Notice. I was informed on XX/XX/22 that I was conditionally approved for only {$50000.00}. Upon calling and speaking with loan consultant XXXX XXXX ( finally reaching him about a month later ), he further informed me that this decision was made independent of my current income, assets ( including the expected value in my home ), and debt. I complained bitterly to XXXX XXXX, but, of course, it did no good. Alliant recorded this conversation. 

Alliants policy is that it will not extend credit to any person in any amount higher than what that person had before. So even when all its other guidelines are met, Alliant will still significantly downgrade loan amounts to consumers based solely on their past poverty. They called this Limited credit experience. Alliants decision in my case was even more ludicrous in light of the fact that I had {$110000.00} in total active credit card lines, a XXXX XXXX of XXXX, a credit history dating back almost 20 years, and numerous closed, paid-off car and student loans. Accordingly, I allowed my application to expire on XX/XX/22 and took my business elsewhere. 

To summarize, Alliants policy is not to loan {$100000.00} if the consumer has only borrowed {$50000.00} before in a single amount from any lender. So if previously a consumer only bought a car or part of a college degree, now they are not allowed to buy, refinance, or take equity out of a house through Alliant Credit Union. This policy of Alliants remains in place but should be changed to treat all consumer loan applicants equally and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 and TransUnion refuse to remove a bankruptcy from my report that is not mine!! This bankruptcy belongs to my mother we have the exact same name. I have sent them copies of my birth certificate and a letter from my mother. I called IL bankruptcy court and they are not giving them this information but they are reporting it. XXXX verified this information through XXXX and they deleted it from my credit report and XXXX and TransUnion refuse to delete the bankruptcy and they also verify through XXXX.I have XXXX XXXX and this is hindering me from providing for them efficiently. I cant get a home or a car.

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
MY PERSONAL DATA HAS BEEN INVOLVED IN VARIOUS DATA BREACHES WHICH CAUSED ACCOUNTS TO BE OPENED WITHOUT MY AUTHORIZATION. IVE HAD PLENTY OF INQUIRIES LISTED ON MY REPORTS THAT WERE UNAUTHORIZED AS WELL THAT I NEED REMOVED IMMEDIATELY BECAUSE MY REPUTATION WITH THE BANKING SYSTEM ISN'T THE BEST AND IT WILL HURT MY CHANCES GETTING A MORTGAGE LOAN

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 2023-06-26
Company: EQUIFAX, INC.
State: NY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update.

Company response to consumer: Closed with non-monetary relief