BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-31
Company: BANKMOBILE TECHNOLOGIES, INC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had unauthorized transactions on my account and reported on phone XX/XX/XXXX and sent written confirmation. On XX/XX/XXXX I received email that after investigation my claim was approved, I was issued final credit, and the case is closed. On XX/XX/XXXX my checking account was closed and I received email my balance was going to be sent in a check 5-7 business days. I never received my check or access to any of my funds and call back every other day to ask for status of check only told it was sent and to keep waiting. I call at least 10 times ( between XX/XX/XXXX - XX/XX/XXXX ) with different people all telling me the check was sent and to wait 1-2 days or call back. They then tell me I can only speak with someone named XXXX and my check will not be sent. I speak with XXXX and he tells me the closed investigation is reopened and a wrong department investigated, I receive an email XX/XX/XXXX that to continue the reopened investigation I have to send additional information. Everytime I speak with XXXX he says he already told me about reopening the investigation but I never agreed or heard about it. I never received any further notice or email/letter regarding reopening the investigation, only communication I have is from XX/XX/XXXX that the investigation was finalized and on XX/XX/XXXX that my account is closed and a check was sent. It appears everything I was told was a lie.

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, 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:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2023-05-03
Company: CCS Financial Services, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: GOLDMAN SACHS BANK USA
State: IL
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:
Goldman Sachs is giving insanely hard time trying to resolve a dispute against a XXXX charge on my Apple Credit  Card from XX/XX/2022 ( latest dispute reference XXXX ). I only receive automated email requests from XXXX requesting same information over and over again and despite providing evidence supporting my case each time, the dispute goes nowhere. Unfortunately, XXXX ended up being a shady store and they just ordered the purchase I made from XXXX to my address under their account from XXXX. XXXX arrived in XXXX box and all, despite being XXXX purchase from my end. Furthermore, the item ended up being slightly different from what was listed on XXXX  and consequently I returned it as per XXXX policy ( tracking number and return policy already provided to Goldman Sachs ). XXXX then refunded the charge to whatever payment method XXXX used to order the item to me, but XXXX never issued a refund to me as their customer. Now I am out of money and out of the item ordered and Goldman Sachs is not helping me to dispute this for a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: MA
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, 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 2018-08-12
Company: Carter Business Service, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX I received my first notice/bills from Carter Business Services , Inc ( the collection agency ) in XXXX, MA in the amount of {$1.00} for services provided on XX/XX/XXXX and {$59.00} for services provided on XX/XX/XXXX. These two notices informed me that XXXX XXXX, XXXX has released my personal and individually identifiable health information ( PHR ) to Garter Business Services in order to collect the outstanding balances. Prior to these two bills/notices I have paid all my medical bills to XXXX XXXX XXXX. I have never received any bills from XXXX XXXX, XXXX. The transfer of my personal information and PHR was done without my knowledge or my authorization and violated HIPAA regulations and Massachusetts Privacy Act. I mailed a letter to XXXX XXXX XXXX Privacy Officer on XX/XX/XXXX and requested a rescind of my all personal information and my PHR from Carter Business Services , Inc and deletion of any adverse information on my credit report. I also requested a written response within 10 days but have not received any response. 
I called Carter Business Services, Inc on XX/XX/XXXX and XX/XX/XXXX and provided them with copies of all my medical bills paid to XXXX XXXX XXXX. I also called my medical insurance, XXXX XXXX XXXX and it was confirmed that my annual deductible has been met. I disputed the claim from Carter Business Services, Inc in writing by sending them a letter dated XX/XX/XXXX and requesting a validation of the alleged debt to XXXX XXXX, XXXX. I also informed the Carter Business Services , Inc of " breach of security '' with respect to my personal information and unsecured PHR without my authorization. 
I received a written response from Carter Business Services , Inc dated XX/XX/XXXX referring to the attached paperwork as a copy of the " itemized bill ''. It had a balance of {$61.00}. The paperwork contained more sensitive individually identifiable health information ( PHR ) with names of procedures, referring doctors and medical tests conducted during the year XXXX. 
On XX/XX/XXXX I mailed my response stating that the copy of the itemized bill has no viable evidence, bearing my signature that I have any contractual obligation to pay the alleged debt. Also, Carter Business Services, Inc have not provided me with any agreement that grants them the authority to collect. 
I mailed another letter to XXXX XXXX XXXX Privacy Officer and XXXX XXXX, XXXX dated XX/XX/XXXX asking them to rescind all of my personal and PHR from Carter Business Services , Inc and requested that all adverse entries on my credit report by Carter Business Services , Inc be deleted immediately. 
Please feel free to contact me by phone at XXXX. 
Thank you. 
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 2023-08-24
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:
This is a violation of 15 U.S. Code 1681 I can not get XXXX XXXX etc due to 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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from 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 non-monetary relief
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, 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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this 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 non-monetary relief
Consumer complaint received 2018-08-12
Company: EQUIFAX, INC.
State: NJ
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 am writting thid due to non-comliance with the CRA [ EQUIFAX ] They have failed to remove, update information that was inacctuare, incomplete reporting that had been challenge in the pass I strongly believe that they are in Violation of the FCRA and are outright refusing to uphold the Law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2018-08-12
Company: Experian Information Solutions Inc.
State: VA
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 want to know specifically why Experian dropped my credit score by 56 points in one month ( XXXX to XX/XX/2018 ). I particularly want to know how this scoring factor works : " Open real estate account balances are too high compared to their loan amounts. '' Does this mean that I'm not paying off my mortgage loan fast enough? I've never heard of such a scoring factor before. If Experian is essentially requiring consumers to pay their mortgages faster than required, that is outrageous and should not be allowed. I called Experian on XX/XX/18, but they could or would not answer any questions about scoring factors. Nothing in my credit situation has changed, so I'm very concerned about this dramatic decrease in my score.

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 2021-05-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am writing this letter to file a complaint against Citizens Bank. I applied for a mortgage with Citizens all the way back in XX/XX/2020 and I am still waiting to close the loan so that I can use the cash for my project yet the bank is stalling the process by constantly telling me that I am almost there without giving out any details or properly responding to my messages. Most messages to my loan processor are not returned. I could have worked with another bank if they honestly told me that it would take longer than 6 months to get a mortgage from Citizens but I have wasted many months waiting for them to close this loan so that I can move on with my life. 

The loan officers try to make your application look as if you just started the process in order to make the back log numbers under control by telling customers that their file has just been completed months after the customer 's original application date. 

If you audit this bank you will also notice that they have a long back log of customers waiting for an approval since they have very poor IT infrastructure. It is very common for them lose your documents and and ask for bits and pieces of documentation although I have provided the same document months ago. 

Institutions with poor infrastructure like Citizens are slowing down flow of credit to XXXX consumers despite tremendous efforts our government has provided in order to prop up the XXXX economy. However credit is being held up by institutions like this due to poor management and poor infrastructure. 

I have significant amount of documentation I can provide to show how poorly managed the underwriting process is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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: Was not notified of investigation status or results

Complaint:
I am writing this complaint to bring to your attention a serious issue that I have been facing with the Consumer Financial Protection Bureau ( CFPB ). I have filed over XXXX complaints with the CFPB regarding violations of my rights as a protected consumer, but unfortunately, all of my complaints have been closed without any resolution. 

I believe that the CFPB is blatantly violating my rights as a consumer and ignoring the complaints that I have filed. I have done my due diligence in reporting these issues, but it seems like my efforts have been in vain. I am extremely disappointed and frustrated with the way my complaints have been handled by the CFPB. 

I demand that the CFPB investigates my complaints thoroughly and takes appropriate action to resolve the issues that I have reported. I expect the CFPB to provide me with a fair and just resolution to my complaints, and to take steps to prevent similar issues from happening in the future. 

I would like to request that you take immediate action on my complaint and provide me with a written response indicating the steps that have been taken to resolve my issues. 

Thank you for your prompt attention to this matter. 

PS. Because you all haven't assisted in the matter i can only assume my negative items are 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 2022-10-31
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:
This complaint is in response to the investigation of case # XXXX. In my dispute, I requested the " Method of Verification '' and the " Name and Adress '' of the vendor Experian claims it contacted to certify the " Completeness and Accuracy '' of a bankruptcy record it is reporting on my credit file. Please see CFPB complaint # XXXX as Exhibit A. In its response, which it concluded in 59 days, Experian stated that they have contacted the vendor who has certified the accuracy of this record. However, as previously disputed, Experian has not provided the name and address of this vendor. I am requesting in accordance with 15 USC 1681i which states " A notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' If Experian MUST provide me this information if it is claiming to have contacted a vendor. As previously stated, I have contacted the courts who has certified that they do report to the CRA 's, Experian agrees ( Per complaint # XXXX and the attached letter ). I have contacted the listed vendor on my credit report " XXXX XXXX '' who has certified by phone and via a full consumer report ( Attached ) that no bankruptcy record is on file. It is clear that Experian intentionally stalling and refusing to complete a full investigation of this record. Experian has violated several FCRA laws including FCRA 616 ( a ) ( 1 ) ( a ) which states. " Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; such amount of punitive damages as the court may allow ; and in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. This is not a request for re-investigation, this is a demand of the removal of this bankruptcy from my credit file in accordance with the aforementioned laws.

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 2023-10-28
Company: Experian Information Solutions 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: 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 1- ( XXXX XXXX XXXX ) Has violated my rights 2- ( XXXX XXXX XXXX XXXX ) Has violated my rights 3- ( XXXX - XXXXXXXX XXXX  XXXX ) Has violated my rights 4- ( XXXX XXXX XXXX ) Has violated my rights 5- ( XXXX XXXX XXXXXXXX XXXX ) Has violated my rights 6- ( XXXX XXXX ) Has violated my rights 7- ( XXXXXXXX XXXX XXXX XXXXXXXX ) Has violated my rights 8- ( XXXX XXXX XXXX XXXXAccount XXXX XXXX ) Has violated my rights 9- ( XXXX XXXX/Account # XXXX ) Has violated my rights 10- ( XXXX XXXX XXXX/Account # XXXX ) Has violated my rights 11- ( XXXX XXXX XXXX/Account # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXHas violated my rights

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