BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-19
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I applied for a debt consolidation loan with XXXX XXXXXXXX in the amount of $ XXXX. XXXX XXXX applied the money yo my Apple Card through Goldman Sachs. 

I contacted Goldman Sachs and requested the money be transferred into my personal banking account with XXXX XXXX. I was told it would take 10 business days. After the 10 days expired I contacted them again. I was told the request was under review and I had to wait 10 days. I waited and still my request had not been handled. I contacted Goldman Sachs a third time spoke with a supervisor who said the request had been canceled for some reason. The supervisor said she would put the request in again and it should take 7 business days. Still nothing! I contacted them again and was told the matter was under review due to the amount and making sure no fraud was involved, i was given another 7 day timeframe and told the matter had been escalated. 

I contacted XXXX to see if they would contact Goldman Sachs on my behalf. They gave me a number to provide to Goldman Sachs for them to call which, I provided. I still have not been able to get my request resolved and have been getting the runaround and XXXX poor service from Goldman Sachs. Since they refuse to give me my money do they have to pay me interest on my credit on the Apple Card? Please HELP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-12
Company: CNG HOLDINGS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written to the company a total of 4 times. I have stated I had no acknowledgment of this account and was asking for documentation. As of the Fair Credit Act Section 609, the creditor must provide a signed document with my  physical signature. If they have said document I would go about that process as necessary. Every letter I have written, the credit bureaus state they have been verified by " Our '' Company, ( Meaning the bureau ). Within my rights of Federal Law section 609 ( a ) ( 1 ) ( a ) states they must provide me with a form of verification. They have not done so. Who has verified my account, how was it verified, where is my copy of the document. I have been punished for an account I have no acknowledgment on. They continue to sweep this under the rug and it is not right. They are breaking Federal Law by not complying with what is being asked. As of XXXX /2017 they had sent me a document with wrong address, no consumer agreement, and also my name typed as a signature with undercase lettering. That is definitely not an authorized agreement. They have STILL not  provided me with any proof that this said " debt '' belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had my accounts hacked, cards stolen and transactions appeared on my accounts made by someone else. 

Chase bank themselves contacted me on the day it happened, XX/XX/XXXX warning me of fradualant activity on my account and to call and verify, I called and told them I did not make the purchase at XXXX XXXX XXXX for {$2300.00}, I was told by chase that the transaction had declined. 

In XX/XX/XXXX, Chase bank withdrew the {$2300.00} from my account without any notification and told me I was responsible, yet they are the ones that notified me of fraudalant activity on my cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On my Transunion credit report it says XXXX XXXX was opened on XX/XX/2019 in the amount of XXXX. I've never opened up this account and have been a victim of identity theft! Ive mailed out an FTC letter to Transunion and it was removed and put back onto 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 2023-01-12
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My vehicle I had under an auto loan with Santander and met into a car accident which caused the vehicle to be totaled. My vehicle payments had been on automatic payments and the money was immediately taken from my account every month on the same day. Santander decided not to take the final payment out of my account and did not bother to update me or let me know that they would not be removing the final payment from my account automatically nor did they send any email or letters stating that THEY would stop payments from the automatic payment system I agreed to on day 1 of receiving my vehicle.

Upon finding out the final payment was still outstanding I paid the balance in full, and Santander closed my account stating it was paid in full. 1-week later Santander reported to the credit bureaus that my account was charged off as a bad debt for {$780.00} when I had a {$0.00} balance and closed account being reported to me.

When I received notice that the account had falsely been reported as bad debt and that the balance of {$780.00} was incorrect as well I called santander to figure out why they would incorrectly report my account as a bad debt charge off when it is paid and full and closed the employer stated I no longer have an account with them because it is reported in their system as paid and closed so they refused to put me through to their credit department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: EQUIFAX, 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:
the following account such as XXXX and XXXX account, closed account with XXXX balances are reporting under my name, these are inaccurately reporting under mine, i have never had any XXXX   or XXXX account, equifax is not cooperating and is very much stubborn to have these two inaccurate and fraud account removed from their credit reports. please you are my last hope to have these inaccuracies fixed and removed from my equifax reporting. 
i will be attaching the documents such as the FTC reports and the police reports, same paper which i provided the equifax as well, they are not even disputing and very much on my nerves .appreciate your help in this matter thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There were multiple fraudulent charges that were being charged from my card that I was completely unaware of until I noticed my account had significantly started to decrease very quickly. I had submitted the disputes with PNC bank thinking it was going to be handled appropriately but instead in less than 10n days, I had received no correspondence from them by telephone, mail OR email which they have the information to all three where they could've contacted me to get more info or however they needed me to cooperate. My claims have all been denied and I SERIOUSLY doubt that they were able to properly investigate over {$20000.00} in a matter of 9 ( business ) days to come to a decision that the claims will be denied. Again, I have yet to receive any correspondence from them nor have I received my new debit card in the mail thats been well over 10 business days. I submitted these disputes on XX/XX/2021 and was told the claims were denied on XX/XX/XXXX and ONLY knew that because I was the one that had to reach out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX. 
And an XXXX buyer named XXXX said he would buy my XXXX XXXX XXXX XXXX for {$950.00}. 
The buyer had no choice but to purchase through XXXX because his XXXX ID was hacked, and asked him to pay {$950.00} with his XXXX account. 
The buyer said he paid, but this was a phishing e-mail. 
XXXX XXXX ( XXXX ) I didn't know I was fooled and sent the product directly to XXXX on XX/XX/XXXX. In XXXX, battery handling is strict, so I applied to XXXX through a delivery agency. So, the location is XXXX. This was a big mistake. The tracking number is XXXX. Here 's the link. XXXX XXXX XXXX XXXX XXXX XXXX And on XX/XX/XXXX, the signature of the unknown XXXX was confirmed in XXXX. At the time of delivery on XX/XX/XXXX, the seller offered a condition that the XXXX account limit would be lifted only when {$1000.00} was refunded, and the scammer lied that he would deduct {$2000.00} in credit. At first, a scammer asked for remittance in XXXX, but I said no, and I was forced to ask for my account number and try to transfer it, and I remitted {$1000.00} to a remittance company called XXXX XXXX at around XXXX XXXX on XX/XX/XXXX. Related pdf was extracted from the text. Yesterday in XXXX time, they said they paid {$1000.00} falsely to the XXXX XXXX ( XXXX ) address, and as a result of checking, XXXX is still pending and only requested sent. Unfortunately, as a result of checking at XXXX XXXX. on XX/XX/XXXX, it was an obvious fraud and XXXX said it couldn't be helped. 
The scammers took my money and the things I was trying to sell. 
I need help.

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 2023-03-07
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$3800.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-03-07
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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4300.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$100.00} XXXX XXXXXX/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 2020-10-29
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX has placed a collection on my credit profiles claiming that I owe {$180.00} to XXXX. I've never had an account with XXXX  before.

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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-10
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter to the credit bureau 's to notify them of some addresses that don't belong to me and as of today XX/XX/2021 I have not received a response from the bureau 's nor have these inaccurate addresses removed which is believed to be a result of identity theft. I am writing to you because identity theft is a very serious matter and I would like to protect my credit report from any other fraudulent accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter to the credit bureau 's to notify them of some addresses that don't belong to me and as of today XX/XX/2021 I have not received a response from the bureau 's nor have these inaccurate addresses removed which is believed to be a result of identity theft. I am writing to you because identity theft is a very serious matter and I would like to protect my credit report from any other fraudulent accounts and inquiries.

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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate adjustment of the following erroneous information 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

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 2023-02-15
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:
It appears that 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 remove these items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX  XXXX Balance : {$7900.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2019-04-16
Company: EQUIFAX, 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:
one student loan account is reporting under my equifax credit file, this account was opened with out my knowledge, i have tried to dispute several student loans that did not belong to em,, every single one from all three bureaus since they were inaccurate were removed except this one account ( us dept of education account number XXXX date opened XX/XX/2011 {$750.00} ), i have disputed this account with equifax several times, but ehy have not been helpful. 
please you are my last hope to have this corrected, i will be attaching my FTC report and the police report. please find attached. 
thank you for your cooperation in this matter thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: FL
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, XXXX XXXX XXXX am reaching out to the consumer financial protection bureau on XX/XX/XXXX regarding Experian furnishing information which is a breach of my privacy and included inaccurate information on my consumer credit report. There are multiple 15 USC violations that I have attached in the following documentation that I will add to this complaint. Not only this Experian has forcefully left a fraudulent XXXX XXXX on my consumer credit report that I have complained about since the beginning of last year in XXXX that still to this day nothing has been done. I have sent numerous requests of verification and methods of investigation procedures to which to this day they continue to neglect and report verified as accurate in which they is falsified information. The result of this has caused me emotional, financial, and economical distress beyond my imagination in which I lost my girlfriend of 7 years due to my tarnished reputation of dealing with this credit bureau in which I also was unable to get an apartment and I am currently in the process of being put out on the street. I have made a lot of formal complaints to the CFPB to raise attention to the violations that this company is doing and they fail to uphold my consumer rights and protect me as a consumer under laws that this company has no regard for. Upon this notice I am DEMANDING the removal of the stated items and this will be my final complaint. I will be pursuing a lawsuit in federal court if nothing is done and will be seeking remedy for the pain and struggles I have gone through the past year and a half fighting for the furnishing of this fraudulent, unverified, and unvalidated information.

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 2022-10-07
Company: EQUIFAX, 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:
There 4 hard inquiries on my report thats not mines XXXX ( Bank ) XX/XX/2021 XXXX ( Home Shopping ) XX/XX/2021 XXXXXXXX ( Bank ) XX/XX/2021 XXXX ( Home shopping ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I need help ... I disputed these accounts several time and not one since credit bureau is responding to my dispute request .... I want these negative items deleted immediately. 

XXXX XXXX XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX  XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX no knowledge of account. If unproven, unverified, or non-compliant, Demand deletion immediately. 
XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TEXAS XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation