BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-26
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:
I wanted to transfer {$4000.00} from my XXXX Goldman Sachs account on XX/XX/XXXX to the XXXX bank the money came from so I could pay for things. The bank put a hold on my account and didn't tell me about it until I logged back in after 5 days had passed. I called the bank on XX/XX/XXXX to see what I could do, but they didn't really help with it the first time because I called outside of business hours, even though it says 24/7 assistance. I called the next day, XX/XX/XXXX, to see if they could help. They helped, but they said that my phone number on file couldn't get a verification text. I have never had a problem with any bank where they couldn't get a verification code from my phone. After that they said they would seen me an Affidavit to sign and notarizes so they can prove it is my account so I can access the account. I called back after that intrusion to see how long it would take to get this in the mail, and they said 710 days, which is too long because I have payments due soon for XXXX.I asked to speak to a supervisor to see if they could do anything, and they said they didn't have any on duty and said to call back in 2-3 days to see if they had pressed my request to have it mailed to me faster.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: PR
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 HAVE A WRONG CREDIT INQUIRY AND I NEED TO CORRECT IT SINCE IT WAS NOT DONE BY MY PERSON. THE COMPANY ARE PREFERED MORTGAGE ON XX/XX/2021. 


THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: Student Loan Care, LLC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was informed by Student Loan Care , LLC that I would be able to get some forgiveness on my student loan Id i signed up with them. I have do t research and recently learned that this is a scam and would like to report/freeze my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: ACI Worldwide, Corp.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX ACI /XXXX , XXXX . 
{$350.00} Contacted XXXX , XXXX. and requested this debt be removed from my information. I was told it was from XX/XX/XXXX. Advised representative that I have never had a credit line through XXXX and only opened a XXXX account that is attached to my bank account in XX/XX/XXXX. Was advised it looks like fraud. No info on what they are doing to resolve issue .. XXXX , XXXX. And ACI seem to be running a scam because there is a message board with tons of complaints about this. 

ACIs phone number is ( XXXX ) XXXX PayPals phone number ( XXXX ) XXXX Please inform

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: CITIBANK, N.A.
State: NJ
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:
XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX NJ XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2022-08-12
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:
I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX bankruptcy discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$690.00}XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$4000.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance : {$970.00}, XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I submitted a payment on XXXX to pay off Loan XXXX Stafford - Subsidized with the amount of {$1300.00}. 

On XXXX, Navient attached an additional balance of {$430.00} to the loan amount with no explanation as to where the new balance is coming from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
PREVIOUS COMPLAINT NUMBER -XXXX On XX/XX/XXXX I notified Transunion , XXXX , and XXXX via Affidavit that multiple accounts on my report are fraudulent. I then contacted each reporting agency via phone on XX/XX/XXXX to follow up on the status of the investigation. Transunion nor XXXX provide me any verification of the investigation that was conducted. But all accounts still remain on the report. I placed a call on XX/XX/XXXX to Transunion in which I recorded a new dispute in which no validation or verification was provided for. I allowed them thirty days to respond with that validation as well as to the alleged creditors. On XX/XX/XXXX I filed a UCC -11 debtor form in the State of Illinois in which it reflected that no claims/liens filed on my name in which those alleged account were in reference to. On XX/XX/XXXX All Credit Reporting Agencies were notified via Affidavit and Ucc11 certified debtors search to reflect the exact information being displayed from the certified search which is NOTHING ON FILE. I HAVE ALLOWED OVER 90 DAYS FOR THIS MATTER TO BE RESOLVES AND ITEMS TO BE REMOVED FROM THE REPORT. AS OF XX/XX/XXXX THOSE ITEMS ARE STILL LISTED ON THE REPORT, DAMAGING MY ABILITY TO OBTAIN CREDIT.

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 2017-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX, XXXX My identity was stolen and credit cards in my name was opened at the XXXX XXXX XXXX and other merchants in the area. & purchases were made in XXXX XXXX. XXXX XXXX XXXX was notified over the phone and in writing on XXXX XXXX, XXXX. A XXXX Police report was also sent along with the XXXX XXXX XXXX investigation forms. I received letter dated XXXX XXXX, XXXX, from XXXX XXXX XXXX stating that they completed investigation in my fraud claim and claim has been resolved in my favor. The letter also states that Credit Bureau agencies have been notified to remove this account from my credit profile. 
As of today, my credit report has not been corrected and still shows balance of {$2100.00}. I tired to resolve this matter with both with XXXX XXXX XXXX XXXX XXXX XXXX representative over the phone ( XXXX ) three to four times in last 12month without any success.

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 2023-04-14
Company: Experian Information Solutions Inc.
State: LA
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 the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 2018-10-21
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2018 I sent a question to Navient via their website and have received nothing back in regards to it apart from a automated email saying they would get back to me shortly. In light of this I sent another email on XX/XX/XXXX, and again got an automated reply but no answer. I'm attempting to learn how I can make sure that payments I make are made toward the principal sum of the loan rather than accrued interest ; this information is time sensitive for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
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 writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know.

I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had unauthized money transfers through my PayPal account linked to my credit card. PayPal refused to reverse them. I was able to solve the issue with my credit card company. Now I am trying to close my Pay Pal account. Pay Pal is refusing to close my account. I have called twice and follwed the timeline instructions provided by Pay Pal. They refused to close my Pay Pal account. I need to close my Pay Pal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 some addresses that are not mines possibly fraudulent I have a EX boyfriend I believe has been using my name to order accounts for shopping. I never lived in XXXX XXXX XXXX, XXXX, OH XXXX. My current and only address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX in my life. Please remove the following addresses. My Name should appear as XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have a unverified account that is not accurate showing on my credit file from a XXXX XXXX # XXXX. this account should be deleted ASAP it is not right.

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 2023-07-12
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Around the date of XX/XX/2023, I began receiving emails from the company Chime welcoming me to the company and informing me that I can begin sending my payroll to a Chime account. I have not signed up for this service nor have I previously had an account with Chime. For approximately four/five of the emails I received, I selected an option in the email indicating that I did not authorize an account to be opened. I have not received a response from Chime regarding this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: DISCOVER BANK
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Request for Investigation of Unauthorized Credit Inquiry Dear CFPB I checked my personal credit report, and I noticed an unauthorized credit inquiry had been made. 

I contacted : *.DISCOVER FINANCIAL SER Bank Credit Cards Contact info XXXX XXXX XXXX XXXX XXXX  XXXX DE XXXX *. XXXX Personal Loan Companies Contact info XXXX XXXX XXXXXXXX XXXX, IN XXXX ( XXXX ) XXXX, who conducted these inquiries and asked them to remove their credit inquiry from my credit report ; and since my contact with these companies they have not removed these error on my report I request that you investigate the companies listed above about inquires on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove any and all inquiries ( that fall under section 604 of the Fair Credit Reporting Act ), and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 

Thank you for your assistance in this matter, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE THAT I AM NOT LIABLE TO. PLEASE HAVE THE NEGATIVE ITEM OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-21
Company: Manhattan Beach Venture, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX University They are holding my degree Because they said I own the school {$5000.00} Has per by student loans And the Department of Education my loans are all being discharged Borrow defense discharge loan Plus I dont own the school The school is being discharged all students loans who attend XXXX Because base on misleading students On education process

Company response to consumer: Untimely response
Consumer complaint received 2020-07-13
Company: WESTSTAR MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently sold a property and the mortgage company took a payment out of my bank account the next day after we closed on with them. I called and they said they would put the bank draft in the mail with a check and that was the XXXX of XXXX. Today I got a letter saying the check was refunded and no check enclosed. Called them and they said no check was enclosed as they put the money back into my account. I explained that I had the bank account open online and they did not. Then they said that I would not get my money back for 20 days?? Asked to speak to a supervisor and that wasn't happening. 

West Star Mortgage Corporation XXXX XXXX XXXX XXXX XXXX, NM XXXX loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have filied a complaint with this company with your cimpany saying that I never did business with Portfolio Recovery and thier attemps to collect a debt I dont not owe them, and to stop all attempts to collect on this debt that I do not owe this company and after filing a complaint against them through the CFPB is was resolved and should be in your files. This morning they ( Portfolio Recovery ) reported this same collection on to my credit file dropping my credit score from XXXX to XXXX while Im in the process of aquiring funding for a start up business. This company needs to remove this account immediately from my credit file and stop all attemps of trying to collect on this account. I have never done business with this company.

Company response to consumer: Closed with explanation