BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Tried closing My Goldman Sachs Apple Card by calling customer service. They told me the account was restricted. I asked why. They couldn't give me a reason as to why my account was restricted. Employees refused to give me any information on the account. I would like my account completely removed and my information completely out of Goldman Sachs ' database.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. However, it has been an exceptionally long period since I initially raised these disputes, and I have yet to receive a satisfactory response or resolution. This delay has not only caused me considerable stress but has also resulted in tangible negative consequences for my financial well-being. I have encountered denied credit applications, higher interest rates, and relentless harassment from debt collectors, all stemming from inaccuracies on my credit report. ACCOUNT : XXXX XXXXXXXX. Please remove this account ASAP.

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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-26
Company: SUNTRUST BANKS, INC.
State: MD
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have a Certificate of deposit at SunTrust which matured on XX/XX/XXXX. I called their customer service line ( included in their letter to me ) and they said I couldn't do anything until XX/XX/XXXX - even though the letter says in 3 places that the renewal date is XX/XX/XXXX ). On XX/XX/XXXX I went to the local branch ( XXXX XXXX/XXXX ) and was told that there was no reason I couldn't have withdrawn the $ $ $ over the phone on the XXXX. Then they said although the CD is for $ 87,000+, their new rules say they can't authorize more than {$25000.00}. This means they are keeping my money without giving me interest and keeping me from withdrawing it and re-investing it at another institution with better interest rates.

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 2022-12-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a dispute letter last month requesting that you remove the following inaccurate accounts or that you update the inaccurate information, and it was ignored. I would like to know what your method of verification was as well as the documentation to prove you performed an independent investigation. 
Where is the proof this investigation was done? Why cant you send it to me? I am re-disputing these accounts. 

XXXX  XXXX XXXX delete this account for inaccuracy because the high balance is {$350.00}, and {$0.00}, last verified date XX/XX/XXXX for XXXX and XXXX has No date reported. 
The date of last activity for XXXX XX/XX/XXXX, for XXXX XX/XX/XXXX, Date reported for XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX Date opened for XXXX XX/XX/XXXX and XXXX XX/XX/XXXX Closed date for XXXX XX/XX/XXXX and for XXXX there is no date at all. 

XXXX XXXX Last verified by XXXX XX/XX/XXXX, XXXX no date, Equifax XXXX date, Date of last activity XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Date reported is inaccurate XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX, The date opened is inaccurate XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX, Balanced Owed is inaccurate XXXX {$5900.00} XXXX {$5900.00}, Equifax {$6300.00}, Creditor Type : XXXX has Finance/Personal, XXXX XXXX XXXX XXXX EquifaxXXXX XXXX Dealers XXXX this is inaccurate. 

Last Payment is inaccurate XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX, Term Length XXXX 62 month, XXXX 62 months, Equifax has no term reported, Last payment XXXX XX/XX/XXXX, XXXX, Equifax XX/XX/XXXX XXXX Past Due Amount : XXXX {$1500.00}, XXXX : {$1500.00}, Equifax : {$1000.00} Please Block and delete this account for inaccuracy Please send me a new credit report Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Good morning, I had 2 accounts in collection which I paid in full and was told that they would be removed and I would receive a letter stating they are at XXXX balance and would be removed. As of today I had yet received a letter or the accounts removed. 
XX/XX/21 paid {$470.00} to Resurgent XX/XX/21 paid {$390.00} to Resurgent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process.

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). 

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: CAINE & WEINER COMPANY, 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: Was not notified of investigation status or results

Complaint:
On numerous occasions I have requested an accounting of payments made and an original signed contract from this debt collector, yet it has been over 60 days and they have not provided this information. They were send a letter and were also asked via phone. After asking via telephone the customer service representative laughed at my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I'm trying to close my personal checking account with Chase. I now live overseas, and their services are not fit-for-purpose for international use. 

I first contacted them, via secure messaging on their online account portal, on XXXX XX/XX/2023 to enquire whether they can close the account for me. They replied on XXXX XXXX to say I first needed to transfer my balance ( {$2500.00} ) out, then they could close it online. 

I wanted to do an ACH transfer to my other US-based account. Using their online account portal, I set up my other account as what they call an " external account ''. Chase requires a verification process, which involved transferring two small sums to my external account, and then I confirm the amounts to verify the external account. I did this successfully, and submitted a transfer of my entire balace on approx XXXX XX/XX/2023 ( plus/minus a day or two, I can't recall the exact date ). 

After a couple days, when my balance didn't turn up, I tried to log into my Chase account online to investigate. I found that their fraud team had blocked the transfer and locked my account. I found this odd, given they had just told me to transfer my balance out, so they knew it was coming, and also had just successfully gone through the verification process to establish the external account as my own. I had to call up, which took quite a long time, to get my account unlocked. 

For a second attempt, I re-did the verification process for my external account ( it had been removed ), and sent Chase a secure message on XXXX XX/XX/2023 enquiring how to ensure that this block wouldn't happen again. They replied to the secure message saying I needed to call again. After spending a long time on the phone, they said there was literally nothing they could do - despite all the verification ( and there was a lot ; e.g., bank card numbers and pin numbers, past addresses, etc. ) they expected the transfer would be blocked again and my account locked, again. They suggested trying a wire transfer, but this might also be blocked, and also would allow Chase to extract a large fee without ( in my view ) cause. 

I view this all as unacceptable. All I am trying to do is close my account and recover my money, but they are making it difficult, time-consuming, and expensive. It does not make sense to me that they are simply unable to green light a transfer under all this verification. 

The outcome I am hoping to achieve is for Chase to allow me to move my money into my designated account and close my account, and ideally never have to deal with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Miller, Stark, Klein and Associates
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Left a voice main on XX/XX/2019. Said in the voice mail, " Attempt to contact you at home address has been unsuccessful it is very important that you speak with our office. Please press one now to speak with a live agent or to contact our office at a more convenient time. Phone number that you can reach someone is XXXX-XXXX-XXXX-XXXX. Your cooperation in this matter is required ''.

Did not say my name, who the company is, or what this is in reference to. The original phone number that called me is XXXX-XXXX-XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 reached out to the Bureaus XX/XX/XXXX regarding Account number XXXX which is a " XXXX XXXX account ''. In our communication each Bureau notified me that they " verified this account, '' and that " all information regarding this account was accurate. I then reached out to reach a mediation point with XXXX XXXX regarding this account and from speaking with them today XX/XX/XXXX I was informed that they : " aren't reporting this account to the four national credit bureaus, '' and that " this account was sold XX/XX/XXXX '' however as of Today XX/XX/XXXX this account is still on my credit profile. As a consumer I have the right to a credit report that is 100 % accurate. This account needs to be deleted from my credit profile IMMEDIATELY! I have also included a copy of that complaint in case the bureaus try and neglect my complaint. The response directly from XXXX XXXX  is on page 3 of the complaint where it details when the account was sold. The bureaus however are still reporting that this account is with XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX reported a business account late on my personal credit. I was not aware that any amount of money was owed on this Business credit card. My office has been closed since XX/XX/2020 due to the pandemic! I take pride in my credit and have NEVER paid any account late. This particular card is not used often and once the last payment was mailed XX/XX/2020 i thought the card had a {$0.00} balance. I just received notification from XXXX to say check my account because a notice was sent regarding them closing my account for none payment. That same day i paid the account in full and asked to speak with a manager regarding the 30 day late payment.

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 2021-09-15
Company: EQUIFAX, INC.
State: GA
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/ a {$9000.00} charge was fraudulently made using my Chase credit card. The charge was identified as fraud and reversed the same day. Chase investigated the charge and determined that another individual used my credit card to make the purchase. At that point the matter was closed. 

On XX/XX/ I received a letter via certified mail from XXXX XXXX XXXX, XXXX attempting to collect the {$9000.00} debt. 

I do not know the company, XXXX XXXX XXXX, the Attorney listed above, or the charge. I have filed a report with the US Mail service for mail fraud. I have no idea if any of the above actors are legitimate or if they are working together to defraud the general public. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have been a very loyal consumer of XXXXXXXX XXXX for many years, and I need your assistance. I have this account with XXXX XXXX ( please see the Letter which I attached ) that I always paid on time. 

There was a period of time ( XXXX XXXX ) in my life that was very difficult to handle due to a XXXX  emergency ( XXXX ). I always tried my best to get every payment to you on time but there was 1 time that my payment was received 30 days late. Before that hard time and ever since I have regained control, I have made every effort to be a loyal paying customer, even paying early at times to ensure that your company suffered no loss. 

Well, that hard work has paid off and I now have years of good standing credit with your company, with the exception of this late payment. This payment is extremely damaging me in a lot of ways, mainly it is damaging my chances of credit availability.

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