BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-30
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a client at Marcus by Goldman Sachs. I have been trying to transfer approximately {$7900.00} to my XXXX  XXXX XXXX and XXXX XXXX XXXX  accounts. On XX/XX/2023, I attempted to transfer all of my funds outside their institution. On XX/XX/XXXX, I was notified that my transfers have been reversed and I will not be able to have access to my money. When I tried to solve this issue online, they told me that I needed to call. So I did. After speaking to their representative, they told me that I would not be able to transfer my funds to another institution for at least 90 days unless it was transferred to the SAME accounts where the funds originally came from ( i.e. back to the bank of origin when the funds were originally transferred to Marcus ). 

I added those bank accounts again since my partner was the one who made the initial deposits into Goldman Sachs, but I was given pushback yet again. First, they require me to log in to my XXXX  XXXX XXXX online ID and give them all my bank account information, but then they rejected the link I was attempting to make, taking all my precious information while they were at it. Then, they prompted me to enter the account and routing numbers manually which I did. When I added XXXX and XXXX, they told me that I needed to wait yet ANOTHER XXXX days to verify the test funds that will be ( hopefully ) deposited into the XXXX XXXX  so then I can make the outbound transfers. 

This is completely unacceptable. They are purposely making it unnecessarily difficult to transfer funds outside of Marcus when they marketed their products as liquid. We keep encountering roadblocks to receiving our money and have been duped into believing that our money was safe and easily accessible. That is not the case. We are requesting a full withdrawal of our funds so we can close our accounts. We do not believe Marcus does business in good faith, and are taking advantage of consumers by not letting them have access to their funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
There is an account showing on my credit profile from XXXX XXXX XXXX that violates my rights and has continuously caused me financial harm over the last 18 months. Attached with my complaint you will find a copy of the XX/XX/XXXX letter sent to XXXX XXXX XXXX requesting specific information regarding this account. 

I informed XXXX XXXX XXXX that under the laws of South Carolina and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS. 

9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 

9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL It has been past 30 days and XXXX XXXX XXXX has failed to provide the requested information. On XX/XX/XXXX I directly disputed this account with XXXX Experian, and XXXX. Attached is a copy of the letter sent to each of the credit bureaus asking them to reinvestigate this matter on my behalf and to send me a copy of all documentation received from XXXX XXXX XXXX  They have failed to provide me with the documentation. 

I am now asking the CFPB to intervene on my behalf and demand the credit bureaus deliver said documents or remove the erroneous information from my credit profile.

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 2023-07-28
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
TD BANK ALLOWED ME TO OPEN A ACCOUNT ONLINE IN XX/XX/2023... ONLY THEN TO RESRICT M ACCOUNT A FEW MINUTES LATER. I CALLED FOR XXXX DAYS TRYING TO FIND OU WHY M ACCOUNT WAS CLOSED. I WAS TOLD I HAD TO DRIVE XXXX MILES TO THE NEAREST BANK TO VERIFY MYSELF. THEN WHEN I REQESTED THAT MY ACCOUNT BE CLOSED I WAS TOLD 'NO. ' THEN I WAS TO SEND A LETTER AND NOTARIZE AND SEND IT TO A LOCAL BRANCH TO CLOSE THE ACCOUNT. I THEN RECEIVED A LETTER A WEEK LATER ASKING ME TO CALL TO BE VERIFIED. EACH TIME I GAVE THEM HE CODE THEY REFUSED TO ACCEPT MY CODE. THEN A PERSON NAMED XXXX ACCUSED ME OF IDENTITY THEFT. TD BANK REFUSED TO LISTEN TO ME ... WHEN I TOLD THEM IT WAS ME. THEY WERE RUDE AND MEAN. THE PEOPLE A THEIR BRANCH LOCATTIONS DID THE SAME THING. I WAS TOLD TO CALL HE BRANCHES O VERIFY ME. WHEN THEY VERIFIED ME HEY STILL REFUSED TO BELIEVE ME. I HAD TO CALL THEM FOR A WEEK TO GET THEM TO LISTEN. I THEN HAD TO WRITE A LETTER AND HAD I NOTARIZED TO HAVE MY ACCOUNT CLOSED. I SENT IT TO XXXX IN XXXX XXXX THEY EVEN MADE ME CRY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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:
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 information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update 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 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 response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
NCB management services has already been reported more than once, I continue to receive fraudulent calls from this company at my place of business. They are calling me multiple times a day on my business line. I never gave this company my employment phone line. Which I use strictly for business purposes. Not only are they harassing me at my job, but they are impeding my work. I use my work for to make outbound calls to make a living. This company has resorted to calling the receptionist harassing them, calling my extension. Calling my parents, this is all hours of the day. The company had already been advised I never opened any accounts with this company. This was a result of identity theft. I didnt authorize any accounts through them. They already have been sent an identity theft affidavit. They chose to ignore all my law enforcement documentation. Instead attempted to state they sent me documentation that once again never got sent. This account is identity theft. The account they are claiming received the money was also closed due to identity theft. Clearly this is fraud, the harassment on my business line prevents me from completing my job. They are not authorized to contact me or my employer any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: SLM CORPORATION
State: NH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My daughter wants me co-sign on her loan. I read through the documentation and can not find a clause where it states there is no prepayment penalty, ( since I do n't want to pay 8 % for 15 years ). I called Sallie Mae and both an employee and manager told me that they do n't have it written anywhere. It 's implied. Well I do n't think that is legal. In every bank I ever dealt with there is always a disclosure statement that tells you the rates and rules of the loan. I find it hard to believe that Sallie Mae does n't do this and no one has ever brought it to their attention. My concern is that I would like to see it in writing that there is no prepayment penalty before I sign the loan. Thank you for looking into this matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: JPMORGAN CHASE & CO.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I received a phone call from chase stating I had suspicious activity of a wire transfer wanting to be set up. I stated no that wasnt me and the chase specialiststated we can do a recall process to reverse/ stop the transfer. I revived automated codes/ messages/emails/ stating from chase to give. XX/XX/XXXX I woke up to a notification stating my account is now negative. XX/XX/XXXX I called chase via the same number I was called from yesterday to report this and ask why did it go through if I said it wasnt me before hand. The specialist on the phone didnt give a good explanation nor told me it could have been a scam. So I was told it would have to be investigated and I would revive a letter in the mail to write my claim and send it back. I waited approx. 2 weeks for this letter and took it to the bank the same day I revived it. Called to check back up on my claim during another 2 weeks and no explanation or updated. Called chase again XX/XX/XXXX for any information and specialists said go to a chase branch and see what they can tell you. I did today and then was told after 30-45 minutes of investigation by a claims specialist for fraud l/ wire transfer that I was scammed and couldnt get my money back but yet theyre aware of the and situations information. Yet no one told me it was denied XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Experian Information Solutions Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This company reported a consolidation loan taken out by me 60 days after I paid my student loans off in full. The report was filed in XX/XX/2020 to all three credit reports and I never agreed to the loan. I paid all my student loans off with a cashier check XX/XX/2020. When I contacted the company to have it removed no actions was taken. These are fraudulent accounts. The company told me to prove to them I paid my student loans off. I don't have to prove anything to this company. They don't have a record of an outstanding balance or a signed agreement. I've sent several complaints to the credit reports agencies certified with proof. As of today these accounts are still showing up on my reports. I want them removed immediately. 
Acct # XXXX credit file # XXXX XXXX XXXX  XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, WI 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 2022-10-04
Company: EQUIFAX, INC.
State: CA
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 have identified information on my reports as a result of identity theft. These items are not related to any transactions completed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FlXXXX bod XX/XX/1941 ss # XXXX Bankruptcy is too old it has been discharged and Needs to be removed Remove bankruptcy ASAP

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 2020-11-28
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: Account information incorrect

Complaint:
I my complaint is with my loan services XXXX. In XX/XX/XXXX. I experienced a hardship and found myself homeless. I was living online hotels and shelters with my XXXX  year old son. I was having such a difficult time that my loans fell out of deferment. In XXXX I contacted XXXX customer service and explained that I was homeless and need to request assistance. I was advised by the representative that I qualified for hardship and that she would retroactive the account status back to the initial time that I was evicted. The representative explained to me that she would send the request to the credit department and that my account would be brought back to current. I was asked to allow 30 days. The next month I checked my credit report and it was still showing the 90 day late status. I called again and was advised again that the credit department will update the status. This never happened. In XX/XX/XXXX. I submitted a good will dispute as advised by the respective to the credit department at XXXX. Never received a response. I made several phone calls to XXXX about this issue over the past almost 2 years. To no avail. The representatives are not helpful and they do a poor job of communicating and documents. I even uploaded my eviction documents as requested to the portal. I submitted 2 other disputes because I was told that they can not remove the lates payments. They have been servicing my loan since XXXX and my credit report shows several months of no reporting of data. They have never accurately reported the status of my loan. By law according to FCRA. They are required to report complete and accurate data. They have missed 6 months of reporting in most of the years of my loan. I also showing 3 different account numbers being reported on each of the Credit Bureaus, which is a clear violation of FCRA 609. I argued that how can you report a late payment on a hardship, but also not report accuracy each month on my loan? I'm asking that ALL inaccurate and derogatory entries be removed from my credit report 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 2020-11-28
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: Account information incorrect

Complaint:
XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Account paid and never late XXXX , Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : I have never been late XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Account paid and never late XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Date : {$0.00}, Issue : Account paid and never late XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX , Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX , Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX  XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX/XXXX XXXX XXXX - XX/XX/XXXX , Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX  XXXX  XXXX XXXX  XXXX , Date : XX/XX/XXXX, Issue : The inquiry was 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 2019-10-24
Company: General Motors Financial Company, Inc.
State: IA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I had my payments set up to automatically come out of my checking account for my lease through GM Financial. After the lease was paid off and the account was closed the continued to take payments out of my account. When I called to inquire about it they were extremely rude to me and refused to tell me when I would get my money back and then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX XXXX is you available employee have Ben very rude and nasty I've given my information to someone over the phone and through email multiple times I was told to write first and last name today 's date last four digits of social security number attached you with ID on paper with a selfie I have done this several times it's been 3 months and my information is still not updated on my account I don't have access to the app So every time I call I have to repeat the old information my old address my old email address my old phone number that I'm no longer using is been 6 months it's going on 7 months I have a whole new phone number whole new email address whole new address have given it to your employees several times and they tell me wait 2423 hours work 33 hours it would be updated it's been 4 months and my information has not still been updated in the system you employee decided to cancel my account with out my consent I have no way to get my money off my card

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: Experian Information Solutions Inc.
State: OR
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:
Please consider this my formal complaint against Experian National Consumer Assistance Center.

At the start of XX/XX/XXXX I ran my credit report and found Experian was reporting a Bankruptcy chapter-XXXX discharged on XX/XX/XXXX. I wrote them to dispute this derogatory report at least 3 times asking them to VALIDATE the bankruptcy report. They came back with it being verified as accurate each time. I made it a mission to find out how this was so.

I wrote to the County Recorder of Deeds and the Bankruptcy Court in the county the bankruptcy was being reported from. They reviewed the Public Record section of the Experian report and mailed me letters ( see attached ) which stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Experian National Consumer Assistance Center has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrectly, so I found out who these third-party companies are & requested my reports. I wrote Experian again on XX/XX/XXXX and XX/XX/XXXX asking them to VALIDATE the derogatory report ( see attached ). I stated I had letters from the 2 major data mining companies ( XXXX & XXXX ) as well as the letters from the bankruptcy court. Experian still insists they have verified the bankruptcy.

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please see attached docs detailing where I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me

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