BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-14
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This morning I attempted to access my money market account to authorize a transfer for a future date. My money market is with " XXXX '' - formerly XXXX XXXX formerly XXXX XXXX XXXX My regular log in no longer works, I requested a new pincode to be sent to my email. After 10 minutes I called the number to get a reset. I spoke with a representative on a recorded line who instructed me to clean my cookies- this did n't work. I was then instructed to change my browser- this did n't work either. The representative told me that since this was the first week, there were a few bugs in the system as they launched the XXXX brand. 

I spoke with a supervisor, who apologized, but could n't resolve the issue. He said I could make transfer with telephone banking. This is not acceptable. 

I checked my email a few moments ago and received a pincode sent at XXXX this pincode expired within 15 minutes. 

This bank is making it impossible to access my funds. They should not be allowed to launch an inoperable system. 

I do n't have high expectations for Goldman Sachs and their shoddy and shady XXXX XXXX practices -- their inability to change a system that worked fine to " rebrand '' and thereby making it challenging for consumer to access funds, goes beyond the pail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have contacted TransUnion regarding several Bankruptcy dismissals that should be deleted on my credit report, but they have refused to honor my request stating in a letter that it is their policy to keep discharged and dismissed Bankruptcies on all credit reports for 7 to 10 years., which is a direct violation of the Fair Credit Reporting Act. Although it is their policy to keep reporting Bankruptcies that are filed/ discharged, the Fair Credit Reporting Act mentions nothing about dismissed Bankruptcies ( section 1681c ). Any case, civil or otherwise, which is dismissed no longer exist in the eyes of the law, so they have no right to maintain information which the Government has deemed nonexistent. I am asking them to send me in writing proof to their claims that Bankruptcies that have been dismissed can not be removed for 7 to 10 years or I will be forced to take legal action. It may be their policy but the law says otherwise, and they must obey it.

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 2020-07-13
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: Their investigation did not fix an error on your report

Complaint:
1. I have requested XXXX XXXX to provide proof that they are licensed to collect in my state of Florida, but instead they only sent me generic claim that they validated the disputed accounts accounts # XXXX and # XXXX ( see attached CFPB complaint ).

2. I have disputed account XXXX with Accounts Receivable through CFPB complaint and discovered that they are : 1. not licensed to collect in my state of Florida ( see attached confirmation from them ) and therefore their collection activities are illegal, and 2. they sent their mail letters and credit card to some address in Oregon that I never lived at and which doesnt show on my credit report ( attached ). 

Please investigate and delete these false disputed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent a letter on XX/XX/2023 requesting to remove inquiries that were not authorized. I have waited over 45 days and received no response. I called and they stated I needed to send another letter with my request. I opted to chat in so I had chat transcripts and they refused to remove the inquiries that were not authorized.

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 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX {$5900.00} XXXX XXXX {$300.00} XXXX XXXX {$0.00} USDEPED XXXX {$3200.00} XXXX XXXX {$24000.00}

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 explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have reached out by email requesting them to remove my info as well as not provide my personal information to XXXX XXXX and experian. As they did not notify me of them providing my info to those two credit Bureaus. I do not consent for them to share my personal information. Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX | DOB : XXXX XXXX XXXX XXXX 
To Whom It May Concern : I previously wrote you to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have included a copy of the response from the courthouse for your reference. 
It is quite clear that someone from ( XXXX ) .lied about verifying this bankruptcy with the courthouses as they verified with XXXX XXXX XXXXThat is a violation of the Fair Credit Reporting Act ( FCRA ). 
As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report : XXXX XXXX BANKRUPTCY, Docket # XXXX Please respond to me in writing once this removal has been completed. 
Sincerely, 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 2019-10-09
Company: EQUIFAX, INC.
State: NE
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:
Good day, today I got my new credit report from credit monitoring My Fico, and I'm still see that Equifax and XXXX still reporting a late payment on XX/XX/2015. When is not a late payment reported in XXXX. These account is been dispute several time, and always came back as verified. How one Credit Bureau report a different information compare with the other two. The only way negative accounts can actually stay on your credit report if it is complete accurate and verifiable. 
Also Credit Bureau should get information from the same Furnisher ( XXXX XXXX ) in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
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: Their investigation did not fix an error on your report

Complaint:
There are fraudulent accounts on my credit report and I have disputed these information with all three bureaus. Only XXXX has complied and blocked the information, however experian and XXXX  have failed to comply with the FCRA and remove these accounts. I have filed a police report with XXXX and also a FTC report and forwarded them to the bureaus, however they keep making unreasonable and unrealistic statements such as the report not being valid. Please investigate this issue and help me have these accounts 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 2022-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/XXXX and XXXX of 2022, XXXX fraudulent charges were made to my Capital One Account for XXXX and XXXX. I have been a victim of identity theft and have reported this to the FTC and also validated that I was part of the XXXX data breach. In the past year alone, a few of my credit cards were used fraudulently. In these cases, I never received the new cards in the mail and was suddenly made the victim of fraud shortly after they were to have arrived via XXXX. I worked with police authorities who were able to obtain tapes from merchants showing a man making the purchases. I am a woman. The only way the credit cards could have been used is through the activation process which requires at minimum the last XXXX digits of one 's SSN. 

I lost this particular card and the perpetrator was able to create a new PIN and use it at an ATM to complete two cash advances. I filed a dispute with Capital One and they have denied my dispute. I have XXXX XXXX which impacts my vision. The transactions occurred in XXXX XXXX, IL and I live in XXXX and could never have possibly driven that distance without risk of accident or injury,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-18
Company: Premier Holdings
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, Premier Holdings contacted me about a very old debt that was charged off over 8 years ago. The lady named XXXX XXXX that works for Premier Holdings told me that I could settle a {$3400.00} debt that originated with XXXX XXXX in XXXX could be settled for {$1000.00}. This is coming at a time where I am already paying over {$2000.00} per month for two judgements so I was scared. She said they could prosecute me for Theft of Services. I ended up giving them my bank account information. They took the money out of my account before I ever signed the docusign that they sent to my email giving them permission. I still havent signed it. According to the Fair Debt Collection Practices Act, they were wrong. I just want my money back. Premier Holdings phone number is XXXX. XXXX is the manager and XXXX XXXX is the one I spoke with. Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Waypoint Resource Group, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It's unfortunate that I've had to take the route of contacting law enforcement. This is not my debt. I've spoken to XXXX all of last week, they state they don't have a contract of any sort bearing my signature. This is a PROBLEM! 

Mind you, XX/XX/18 I sent a letter to not only XXXX but the collection agency. XXXX responded, however, the collection agency has not. I don't owe anything and I will never pay what is not mine. What XXXX did send me, though, was an itemized invoice. This is invalid and is not respected per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Absolute Resolutions Corp.
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:
ABSOLUTE RESOLUTIONS I Contact XXXX XXXX XXXX XXXX XXXX XXXX, MNXXXX  ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$4200.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: CORELOGIC INC
State: IL
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 talked to 5 people at credco and asked them to remove themselves from my credit report and they said they would but just tried selling me a loan which i didnt want

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 2018-03-09
Company: Early Warning Services, LLC
State: TX
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 is reporting Account abuse on my report with them per XXXX XXXX XXXX XXXX XXXX. I have contacted both the bank and XXXX   numerous times. They refuse to remove the information even though I have never had an account with XXXX nor have I ever abused an account. This is causing major issues opening a checking account anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
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: Public record information inaccurate

Complaint:
I wrote a letter to each credit bureau back in XX/XX/ about negative items on my credit report and got no response. Im demanding these accounts to be deleted immediately. According to 611 ( 5 ) ( A ) of the FRCA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14
Company: Bread Financial 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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CCB/XXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: WELLS FARGO & COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
TO BEGIN THE ARES THAT I HAD TO CHOSE FROM DON'T EXACTLY STATE MY CASE. 






XX/XX/XXXX REALIZED I WAS FINALLY GOING TO GET AN OFFER IN COMPROMISE FROM THE IRS. WENT TO WELLS FARGO ASK TO REFINANCE MY LOAN AND TAKE OUT SOME FUNDS TO PAY THE LARGEST CREDIT CARD BILL WHICH WAS WITH WELLS FARGO THEY SAID NO. I AM XXXX YEARS OLD AND XXXX XXXX  WITH XXXX XXXX. I IMMEDIATELY CONTACTED A XXXX XXXX XXXX TO HELP WITH MY PROBLEM.XXXX XXXX I SIGNED THE IRS OFFER OF COMPROMISE AND HSVE MADE EVERY DETAIL TO PERFECTION. I BEGAN PAYING XXXX  XXXX  XXXX FUNDS ALL I HAD LEFT EACH MONTH AND THEY SAID THEY COULD DEFINATELY HELP ME. THREE OF THE CREDITORS CHOSE NOT TO DISCUSS ME WITH XXXX   XXXX  ON WELLLS FARGE WAS THE LARGEST. AFTER WAITING 5 MONTHS DOING NOTHING TO FIND A RESOLUTION, THEY SUES ME. AS DID XXXX XXXX ON THE OHER TWOBILLS. IN XXXX THE XXXX I THINK. I WENT TO COURT FOR THE XXXX XXXX BILL I ASK FOR A BILL OF PARTICULARS NAD I WAS REGUIRED TO TURN IN MY GROUNDS FOR DEFENSE. WHICH I DID WHEN THE NEW TRAIL DATE CAME WHEN I WENT TO COURT THEY HAD ASK FOR A CONTINUACNE UNTIL XX/XX/XXXX IN XXXX THEY HAD SOME DISCUSSIONS WITH XXXX   XXXX  XXXX. WHEN I WENT TO COURT IN XXXX THEY AK FOR A CONTINUANCE UNTIL XX/XX/XXXX I TOLD THE JUDGE THIS IS NOT FAIR BUT I HAD ASK XXXX WHAT TO DO AND I DID NOT WANT TO BE A PROBLEM. MY MAIN PROBLIM WAS THE REASON THEY USED TO ASK FOR THE CONTINUANCE ( A WITNESS COULD NOT TRAVEL FROM IOWA TO TESTIFY AGAINST ME DUE TO COVID 19. I AM XXXX FROM XXXX XXXX, HAVE XXXX XXXX, HAVE XXXX XXXX XXXX AND PROBLEMS WITH MY XXXX. AND I HAD TO RISK GOING TO COUYRT 4 TIMES TAKING MY LIFE IN MY HANDS AND THEY WILL HAVE A HARD TIME TO EXLAIN WHAT THE WITNESS WOULD TESTIFY TO. ALL THE DOCUMENTS HAD BEEN SUBMITTED TO THE COURT AND I DID SAY THE AMOUNT WAS NOT WHAT I THOUGHT IT SHOULD BE BUT THIS IS A DELIBERATE ATTEMT TO TRY TO SCARE A XXXX  OLD MAN AND TRY NOT TO ATTEMPT TO BE RESONABLE WITH XXXX  XXXX  XXXX. THEY THINK IF I DIE THEY WILL HAVE A BETTER CHANGE WITH MY ESTASTE. THIS IS WRONG WIL NOT BE INTIMIDATED AND I PLAN TO OUT LIVE THEIR DELAYS. AND IF I DON'T I WANT MY ESTASTE TO SHOW WHY THEY SHOULD NOT OWE THWM ANYTHING.WHY DO THEY HAVE NO OBLIGATION TO NOTIFY ME OF THE CHANGES JUST BE CAUSE I CAN NOT AFFORD A LAWYER. IF I COME DOWN WITH COVIS 19 WITHIN THE TWO WEEKS FOLLOWING THE XX/XX/XXXX COURT DATE I WIL SUE THEM FOR ALLOWING IT TO HAPPEN. I KNOW I DON'T TYPE WEEELL AND I AM OLD BUT THEY SHOULD NOT BE ABLE TO ABUSE ME. I STALL SAY THE ORIGINAL DOCUMANT I SIGNED WAS FOR A {$6000.00} LIMIT ON THE CARD AND HOW IT GOT TO {$10000.00} I DO NOTKNOW. I WOULD JUST LIKE TOBE TREATED IFAIR

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 2023-05-19
Company: EQUIFAX, INC.
State: GA
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 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: URS Holding, LLC
State: KS
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Thank you for your recent contact dated : XX/XX/XXXX. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-10
Company: EQUIFAX, INC.
State: GA
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:
XXXX continues to report my account as past due even though i am in a forbearance and have been for over a year. They are reporting 180+ days past due on credit causing financial stress and denials for credit for me and my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Equifax, XXXX XXXX, XXXX credit reports. Are wrong. Address and accounts I never opened. I know accounts. I am a victim of identity theft. Accounts open by someone posing as me. These accounts are not mine. XXXX XXXX XXXX, XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX   XXXX amount of XXXX. Joint account with a person I dont know never lived in Florida till XX/XX/2017!! 2 accounts from the same company first fraud account XXXX XXXX XXXX amount of XXXX. 2nd fraud account XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. These accounts I never opened someone posed as me to open these accounts! This is identity theft fraud fake!! Not mine!!

Company response to consumer: Closed with explanation