BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-26
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I was alerted to an account being opened with Goldman Sachs Bank in XXXX. Myself and my XXXX Identity protection agent called on XX/XX/XXXX to have it closed. We were on the phone for 2 hours to close the account. This account was open under identity theft and we explained that all to them and they assured us it would be closed and in 10-14 business days I would receive confirmation. Now over 20 business days later it was still not closed. Myself and my agent called today and again were on the phone for over an hour. They told us that the account was under investitagtion and that it was never closed. In addition when they tried to verify my identity the number and email address that they had did not match what I had provided last time because the person who did the opening of the account was able to call back and change it. In addition they asked me for the verbal password which I had never put on because again it was the person that stole my information and opened this account. While on the phone today they stated that due to it being under investigation that they could not close it, that it was only locked. They refused to give us contact with the department that could handle closing the account and stated they needed another XXXX business days. We told them over and over that their is no reason for there to be an investigation when it was reported to be fraud over a month ago and I still had not received ay documentation that it was closed. They would not close the account and stated that it is locked and all I could do is wait another XXXX business days to get a response on it. They were horrible and we told them that we would be filing a complaint. We need this account closed and this company looked into. Who knows what else will happen in the next XXXX business days for them to investigate this account. I do not trust that they will ever close it or follow through with anything in regards to this. They had over 20 days to take care of this, when they said it was closed on XX/XX/XXXX, and even admitted today that they never closed it and pretty much the customer service agent who told me on XX/XX/XXXX that it was closed was a lie. 

This account was open by an identity theft, and Goldman Sachs Bank, refuses to close the account and follow through. They continuing to lie and not complete what is asked and expected of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX ( Sunday ), I made a mobile deposit which places a hold ; however, it posted to my account on XX/XX/XXXX which Regions charged me a {$36.00} overdraft fee. My balance with the deposit posted was {$63.00}. Supposedly, they say my deposit is not " available '' until XX/XX/XXXX ; however, if that was the case, it would not have posted to my account on XX/XX/XXXX. They are erroneously posting overdraft charges which should not be incurred. I can provide sufficient documentation to show this. Also, the customer service representatives thru internet banking keep contradicting themselves. This issue needs to be resolved. 

I was sent a letter by the company ; however, unfortunately, I do not agree with what is in their letter to me. My deposit of {$110.00} was available to me as it posted to my account that night which my total balance to pay items was {$780.00} ; therefore, there were no charges posted that would have caused an overdraft fee of {$36.00}. They are saying that my deposit was not available ; however, if that was the case, it should have still been pending, NOT posted to the account. A statement of account has been provided to BBB. The charge should be reversed.

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 2021-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
Hello I was using a credit card with Capitol one. They are charging me {$470.00} for XXXX XXXX XXXX  that I did not book nor ever rented with XXXX  in my life. If they call XXXX  they would be able to tell them the same thing. This was posted on XX/XX/2021. This was on the transaction XXXX*XXXX  XXXX  XXXX My name is XXXX XXXX my email is XXXX. I wrote them to let them know this was not me and please look into this matter. They decided to close my account without reason. I am no being charged interest and late fees for a charge I did not do. All someone has to do is look in this matter to see its fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Contacted Equifax regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2021 via certified mail. Submitted information indicating the inaccuracies, however, the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: PNC Bank N.A.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
BBVA acquired my checking account from Simple. I had overdraft protection with Simple. BBVA deactivated my overdraft protection without notifying me, and are now trying to collect fees for repeated overdrafts that I would have taken care to avoid if I had the foreknowledge of their activity on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Experian Information Solutions Inc.
State: MO
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 have written to both all three credit reporting bureaus ( XXXX, Experian and XXXX ) about conflicting data on the same items, such as : XXXX XXXX shows last payment made as XX/XX/2018 on XXXX but XXXX shows last payment made on XX/XX/2018 ( and on a previous report as XX/XX/2018 ). 
XXXX XXXX  XXXX shows last payment made as XX/XX/2018 on XXXX but XXXX shows last payment made on XX/XX/2018. Also the phone number on XXXX shows as ( XXXX ) XXXX but on Experian as ( 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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-02-13
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: Account information incorrect

Complaint:
XXXX XXXX XXXX  XXXX  XXXX Balance {$800.00} This account has been transferred/sold, but. This account was involved in litigation and does not belong to me. I never established this account. This account was a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the account listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent account investigated and removed 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 explanation
Consumer complaint received 2020-12-08
Company: SYNCHRONY FINANCIAL
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, SYNCB add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-10-05
Company: EQUIFAX, INC.
State: MO
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 have written to both all three credit reporting bureaus ( XXXX, XXXX and Equifax ) about conflicting data on the same items, such as : XXXX XXXX shows last payment made as XX/XX/2018 on XXXX but Equifax shows last payment made on XX/XX/2018 ( and on a previous report as XX/XX/2018 ). 
XXXX XXXX  XXXX shows last payment made as XX/XX/2018 on XXXX but Equifax shows last payment made on XX/XX/2018. Also the phone number on XXXX shows as ( XXXX ) XXXX but on XXXX as ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions 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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 
Please investigate these fraudulent 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 Balance : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} EXPERIAN XX/XX/XXXX EXPERIAN XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XX/XX/XXXX EXPERIAN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XX/XX/XXXX EXPERIAN XX/XX/XXXX EXPERIAN XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2022-08-07
Company: Experian Information Solutions 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:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. 
Please delete the items as soon as possible. 
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
The Issue is with XXXX XXXX XXXX XXXX collections Agency..for ( XXXX XXXX XXXX. ) For Debts..They Suspended my ACCOUNT And Sent it To ( Experian To Removed from my Report.withen 30 days..I Need Your Help if You Can to get EXPERIAN To UPDATE My Report ASAP..I Need it off so I CAN Get A Apartment for XXXX move in Date..Experian must Be off My Report to do so..

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 2018-02-08
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: Old information reappears or never goes away

Complaint:
Yes I have hard inquiries on my credit report and I have old accounts that shouldn't be on my credit report no more why they haven't been removed

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 2021-11-03
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'VE CONTACTED THESE COMPANIES IN REGARDS TO RANDOM ACCOUNTS THAT APPEAR ON MY REPORT. I'VE CONTACTED THEM AND HAVEN'T HEARD ANYBODY BACK IN WELL OVER 30 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts are not mine I recently had identity theft and submitted a fraud affidavit to all 3 bureaus. these accounts are not mine. 
1.XXXX XXXX 2 . XXXX XXXX. 
3. 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 2023-02-01
Company: Experian Information Solutions Inc.
State: CT
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 other 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

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 2019-02-07
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2018, we were notified by Fay Servicing that we were denied a loan modification. We spoke with our representative, XXXX XXXX, and he advised us to fill out paperwork to appeal the decision and apply for a modification. We emailed and sent a copy via certified mail on XX/XX/2018 of the appeal and the paperwork. We have not received any information from Fay Servicing since by either mail, email, or phone call. XXXX XXXX said that we would receive a decision within 30 days by mail. We have not received any letter or have had phone calls returned about our modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of Identity Theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08
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: Personal information incorrect

Complaint:
I sent a letter to Transunion LLC requesting to update my personal information on the report, also requesting to delete any inaccurate old addresses, as they are not deliverable to me by the U.S postal office, and they are reportable as per the FCRA since they are inaccurate. I sent the letter with a current bill ( bank statement ), ssc and my ID. 

They got back to me saying proof of address unacceptable. I don't understand why are they trying to delay the process. i sent everything that it was required.

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had negative status on several accounts that I was sure to be positive. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. fix these accounts : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$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 2019-09-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Do to these false accounts, I have no chance of acquiring new credit. Please conduct a re- investigation into this matter and have those derogatory accounts removed off my credit file.

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