BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: GOLDMAN SACHS BANK USA
State: AZ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
Goldman Sac Marcus is the company. I have close to {$220000.00} on a 10 Month CD. I signed up on the CD on XX/XX/XXXX with a lady named XXXX. She made up sign paperwork for the CD. She never advised me of a Federal witholding backup. At XX/XX/XXXX, when I got the statement it stated Goldman Sacs Marcus was taking out 24 % Interest I made for XXXX. I called on XX/XX/XXXX and was told it was a IRS problem. I was getting the runaround. I called on XX/XX/XXXX spoke with XXXX, she said it was a signature card problem, I selected federal witholding backup a 24 % .I would never select this. She advised she would send out a signature card express so we could fix. I had no idea that when I got the statement they taken out {$220.00} from my account. XXXX never did send the signature card out. Also, I had called on Sunday the XXXX. They were clueless. I called on XXXXXXXX XXXXand spoke to XXXX, She advised no signature card was ever sent. She advised no refunds are given, I had to call withing 30 days. I was checking my account every day in the month XXXX, and there was no FEDERAL witholding on my account.. I want my money back for the month of XXXX and so far for the month of XXXX Plus Interest. XXXX said they keep the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: WELLS FARGO & COMPANY
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
I applied for a refinance with Wells Fargo, who ran a credit check on XXXX, immediately after they ran my credit I recieved over 20 calls in two hours to my cell phone with companies trying to solicit mortgage refinance.

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 2023-01-10
Company: Experian Information Solutions Inc.
State: AL
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 


15 U.S. C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-01-23
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 fourth 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. Here are the items that need to be removed : XXXX XXXX XXXXXXXX Balance : {$28000.00} CXXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
SLS has discriminated against me as a senior by stating untruths about my documents that many seniors would not be able to figure out time and lose their homes or property. 

An application for modification was submitted XX/XX/XXXX and XX/XX/XXXX, the account XXXX was mischaracterizing documens and falsely marking with no status, no signature, and or that they had not been received. On the last complaint that was submitted in XXXX, I inaccurately referenced reinstatement instead of the modification application that had been submitted. I was using the terms interchangeably not know they were XXXX different products. While i was trying to get the mishaps of the application addressed, I said reinstatement. Then, SLS did send a reinstatement quote which was disappointing because I was complaining about discriminatory behavior and practises. 

For example, The account manger continually marked tax documents with no filing status, even though they were prepared by leading tax software that do not make those type of mistakes. And to boot, they were not rejected by the fed or state. 

I use a fax/email software to prove and document what I submit. Unfortunately, this isnt the XXXX time my family has had to deal with a matter like this. My daughter had a similar problem with XXXX though not as obvious as what happened at SLS.

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 2023-06-24
Company: Block, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX the XXXX and the XXXX. This company took money out of my acct. After pay purchase. XXXX. XXXX times a month. I am on XXXX XXXXXXXX And count my pennies. XXXX XXXX XXXX says I have to close my acct and issued another one. All my Bill 's are paid with the one I have Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This has to do with a Macys XXXX XXXX account credit card that was opened in XXXX at the store. I signed up for paperless statements, made a purchase for {$19.00}. Did not receive my paperless statement nor a paper statement. Called to make a payment Could not do so without the account number which I did not have. Then tried to make a phone payment using the XXXX number and account number for my bank account. Thought it went through however it did not. I called and spoke with XXXX on XX/XX/XXXX who informed me that the phone payment did not go through. Made the payment for the purchase less the fee which I told her I was doing on that same day. Continue to get statements with continued fee charges. Sent a message to secured email with same details however, no resolution to date a they are trying to charge {$190.00} for a a {$19.00} purchase. Original payment was due on XX/XX/XXXX. Phone payment was attempted on XX/XX/XXXX. Since it did not go through a payment was made on XX/XX/XXXX, when I called on XX/XX/XXXXXXXX XXXX XXXX  did not inform me that she was able to waive 2 late fees in which case the only balance due wouldve been the payment for the purchase of {$19.00}. Now after several follow ups, I learned that they will waive two late fees ; however on a much larger balance, due to all the fees theyve added onto the account statement.

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 monetary relief
Consumer complaint received 2023-01-23
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:
I did not initiate these inquiries in section 1681b ( c ). no permissible purpose. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. FTC attached XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hi, In XXXX I became unemployed and had XXXX. I filed bankruptcy and included my student loan balance in my debts. I was told it could not be discharged. 

I contacted Navient on several occasions, most recently last month to find out about any ways the loan could be discharged. 

I have been paying this loan since XXXX and presently am only paying interest on the original XXXX borrowed. It is on an income driven repayment plan. 

I recently found out that money borrowed beyond the cost of the tuition can be discharged in bankruptcy and I wanted to find out if I qualified for this at the time of my filing. 

I still owe XXXX on this loan. 

Thanks for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: TN
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 sent a letter on XX/XX/2022 to Experian. Here is the tracking number XXXX. However the credit bureau said they completed the investigation and everything was 100 % accurate. 

According to the la

w 15 U.S. Code 1681a- Definitions ; rules of construction. The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation?

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 2023-06-26
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  Account XXXX Account name : XXXX XXXX  Account XXXX Account name : XXXX XXXX  XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX  Account XXXX Account name : XXXX  XXXX Account XXXX Account name : XXXX  Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX  Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX  Account XXXX Account name : XXXX  Account XXXX Account name : XXXX XXXX  Account XXXX Account name : Account number : has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 CLOSED XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Account Number XXXX Original Creditor Name XXXX XXXX XXXX XXXX {$430.00} bal. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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.

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed 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

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 2023-04-28
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: Information belongs to someone else

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 removal 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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 11th 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 an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1600.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK 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 2021-01-25
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 is missing that should be on the report

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2023-01-23
Company: EQUIFAX, INC.
State: GA
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 sent letter to each credit bureau against my rights being provoked unlawfully and I have sent prior messages through you as well. The bureau 's have not responded and it has been past 30 days from initial complain XX/XX/XXXX. The following still stands. 


In accordance with the Fair Credit Reporting Act : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), MERCHANT XXXX ( XX/XX/XXXX ), XXXX  ( acct # XXXX ) XXXX  ( acct # XXXX ), XXXX ( XXXX ), XXXX XXXX  ( XXXX ) XXXX XXXX  ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( acct XXXX ) : XXXX XXXX XXXX ( XXXX ) has violated my rights. 15 U.S.C 1681 Section 602 A States 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 a account without my written instructions. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. These fraudulent accounts and reporting methods. deemed illegal should be removed from my report this is illegal and the files should be removed from my credit report PER THE LAW STATES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
1. 15 USC 1681s2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information, it is a FEDERAL violation.

2. 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy 3. And, according to15 U.S. CODE 1681i ( 5 ) - Removal of Inaccurate/Invalid Credit Information , it MUST be REMOVED from your credit reports.EQUIFAX HAS TAKEN OVER 90 DAYS TO COMPLETE THIS REQUEST. ATTACHED IS PROOF THEY STATED IT WOULD BE DELETED. THEY HAVE BROKEN THE LAWS ABOVE. XXXX XXXX XXXX MUST BE DELETED FROM MY CREDIT REPORT IMMEDIATELY. I WILL HAVE NO CHOICE BUT TO SUE EQUIFAX IF XXXX XXXX XXXXXXXX IS NOT DELETED ASAP. THIS IS CAUSING EMOTIONAL DISTRESS AND DAMAGES TO MY CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: BC SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received an alert from a credit report stating I had potentially negative activity. After looking into it, I found an account from BC Services. I have never been contacted by BC Services, not by phone, email, or mail, so have no idea what this charge could be. I contacted the company that BC Services was supposedly collecting for, and they were able to tell me that my balance had been paid in full. Additionally, I do believe that by law, it is required to receive notice that debt is being transferred to a collector, which I never received. At this point, I was pretty sure this was at least an error, but gave them some benefit of the doubt. I called BC Services to solve the situation and they immediately asked for my social security number. I declined, and they claimed they were unable to help me as a result. Throughout the phone call spoke to 3 customer service agents each becoming more and more rude, providing me no information at all, eventually hanging up on me. At this point, I am fairly certain this is a scamming operation. Very perturbed that this has gone so far as to impact my credit score, especially after no communication whatsoever from " BC Services ''.

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