BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: GOLDMAN SACHS BANK USA
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Ordered a wire transfer via phone call at XXXX on XX/XX/21. Was told that I can not wire to an external account that I am not the owner of. This completely eliminates the ability to use money as money. I needed the funds to close on the purchase of a house. Disclosures and restrictions in regards to withdrawals are nowhere to be seen on the website. The website describes the account, Online Savings Account, as having unlimited withdrawals.

Despite my issue with wanting to wire to an external account, I chose to wire these funds to a credit union account that I am an owner of so that I could then wire from that financial institution. The wire was requested in the same XXXX phone call yet the wire still was not sent by XXXX on XX/XX/21. I contacted the bank through chat and explained the importance in getting these funds in order to close on a house. Was called at XXXX on XX/XX/21 and was asked to verify that I am the accountholder with the institution the funds are being transferred to. This was done successfully. As of XXXX on XX/XX/21, the wire still had not been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
RE : The inaccurate and certifiably noncompliant information you are reporting To Whom It May Concern : I am writing you with this formal objection of information published and provided by you to XXXX, XXXX and XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 
You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts much less a public record that was not even reported to you by the alleged Court of Record. I formally contest the reportability of the alleged Public Record. 
Immediately, DELETE LL record of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all XXXX reporting standards. 

[ Date Filed/Reported : ] XX/XX/2016 [ Reference # : ] XXXX [ Closing Date : ] This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, which extenas to the reporting mandates that there be no deviation from XXXX CO Format compliance since, per the CDIA, DNP 3-4 " Any deviation from these standards jeopardizes the integrity of the data ''. 
Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal law. 

Thank you for your time and help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Central Portfolio Control Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Just received notification of false information being reported on my credit report, in which I never owed this account, it dose not belong to me and I would like for it to be removed immediately before it effects my other accounts. 

False Information Being Reported : XXXX XXXX XXXX XXXX # XXXX This account does not belong to me, I never took out this account from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Roadrunner Account Services, LLC
State: KY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
RoadRunner Financial is the company ( Roadrunner account services LLC ). They send multiple text every month before the payment is do. I have not missed a payment. My recent payment was made already and I keep getting text the payment was missed although I have received confirmation of it and the money has been taken out of my account. The practices are very poor and have been a miserable since Ive had them with all the spamming of a payment that is going to be made. ITS NEVER BEEN MISSED THEY GET PAID EVERY MONTH.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: WLCC
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Apex Servicing aka Valley Servicing continues to email the same email message to our business email ( XXXX ), call us repeatedly on our business phone line ( XXXX ), and send fax letters of the same email message content to our fax line ( XXXX ) with demands related to employee payroll deductions. We understand they wish to arrange a remittance to them of debt owed by an employee through employee payroll deductions. When speaking with their representative on the phone, they did not indicate the specific employee name their demand was associated with. We are not aware of current employees ( we have less than 10 employees ) that owe any debt to a debt collector. We have not received a court order regarding any employee payroll deductions. 

Upon searching Apex Servicing on XXXX, we discovered that the State of Washington Washington State Department of Financial Institutions ( DFI ) received information that an entity using the name Apex Servicing has sent faxes to employers attempting to garnish wages from employee paychecks for alleged loans owed. The alert notice states " Apex Servicing is not licensed as a collection agency by the Washington State Department of Licensing ( DOL ). Apex Servicing is not registered to conduct business in Washington State by the DFI, the Department of Revenue, or the Secretary of State. '' ( Reference attachment of alert notice dated XX/XX/ ). 

A search of Apex Servicing aka Valley Servicing on the State of Hawaii DCCA Professional and Vocational Licensing Division did not show any results of licenses for the named company either. 

We believe Apex Servicing aka Valley Servicing is a false actor and impersonator, that is attempting to obtain money without cause from our business through false debt and false wage garnishments using employee payroll deductions as a reason to collect from our business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: CITIBANK, N.A.
State: CA
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:
On XX/XX/XXXX I reported fraudulent charges on my Citi Bank Debit Card between XX/XX/XXXX and XX/XX/XXXX for the total amount of {$1600.00}. On XX/XX/XXXX Citi Bank denied my claim # XXXX. I received a letter stating that I am responsible for the {$1600.00}. 

In addition, on XX/XX/XXXX Citi Bank blocked me from accessing my checking account and is closing my account. Citibank is not releasing my balance in my checking account.

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 2023-06-30
Company: Credit Systems International, Inc.
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( XXXX  ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
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:
I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX : {$400.00} XXXX XXXX XXXX : {$490.00}

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 non-monetary relief
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I disputed 4 accounts with Experian. One was resolved the next day. It was a collection account that was not mine. It was subsequently removed. But then my credit score decreased by XXXX points. This doesn't make any sense at all, and I can not reach anyone to explain or rectify it. 

Help Sincerely..

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 2023-01-15
Company: SYNCHRONY FINANCIAL
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XXXX I applied for a sams club mastercard issued by synchrony bank. When I applied for the card I received no response or indication of approval or denial. On XXXX I called synchrony bank and explained I had applied for the sams club card and received no information on a status of my application and was not notified electronically or anything. Their online app just took my information and that was it. The rep at synchrony said because I had " fraudulent activity in my history '' ( which i have no idea what that even means as their has been absolutely no fraud activity on my credit report or any or financial account ever ) that I was required to submit to an identity verification process via my mobile phone to approve the account. i agreed and did their very bizarre verification request. After I was done with that they approved the request and opened the account. However it was very strange, as I have very good credit and no mad mark on my credit and I am not in a lot of debt, they gave me a very small line of credit but what really took me back is they assigned a ridiculously high interest rate to me. Like a predatory high XXXX some percent interest rate. This makes absolutely no sense as at the time of applying I had over a XXXX credit score. Fast forward to 1 week later I receive a letter in the mail ( file attached ) saying they didn't assign the best interest rate to me because of my credit. On the letter it states my credit is a XXXX based on XXXX. Anything above 750 is consider top tier credit so exactly how could I not qualify for their best rate based on my credit as my credit is nowhere near poor, it's quite the opposite. I have attempted a few times to call synchrony and question this as it doesn't seem right at all. They bounce me around on calls, won't address my questions, seem annoyed at the fact that I am questioning being charged in interest rate typically reserved for poor credit which I don't have and they just generally seem very against helping or answering me at all. Even after I point out the very letter they sent to me contradicts itself and proves my credit is very good they just wont address the issue. I have talked to 4 other people who have this very card and were very taken back by the process I had to go through let alone the treatment I am receiving. I even talked to sams club and they also confirmed the process I had to go through is unheard of and very odd. This to me seems to be very discriminatory on synchrony 's part as there is no justification for the poor treatment, credit rate/line. I should be afforded the same rates and line of credit as others in my credit rating category and I am not.

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 2023-03-15
Company: TOWNE MORTGAGE COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
No response from company is received to date, CFPB complaint ID XXXX, The lender is making me pay extra money for the certified checks and mails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I tried to dispute items fro my report but i have yet to receive any feedback. Im not sure if it is because of the holidays

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 2023-07-01
Company: Paypal Holdings, Inc
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had a PayPal account for over 20 years. As of XX/XX/23 I have nearly {$1300.00} in combined my PayPal and PayPal savings account. I had just transferred {$1000.00} to the PayPal savings account on XX/XX/23 and a month later PayPal decided to " limit '' my account and block me from accessing to my own money. 

I was on the phone with four representatives for almost 2 hours to get an explanation. Not only did they not explain why this is happening they refuse to transfer my funds back to my bank. They made an arbitrary internal decision with no warning and no discussion with me before freezing my accounts. This is modern date theft where a XXXX XXXX XXXX company steals from ordinary citizens.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Company squandered XXXX month advance payment, and squandered additional amounts added to payments in unexplained and fake charges. 
Details of the complaint will be attached.

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 2023-03-17
Company: FirstPoint Collection Resources
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to delete the following information. I am a victim of identity theft and did not accumulate the amount of {$1200.00} in electricity bills. XXXX XXXX XXXX has turned this debt over to First point collections resolutions to resolve this matter. I ask that this item be deleted to correct my credit report. I reported the theft to my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Nationwide Recovery Systems, Ltd
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 got an another medical bill from collection agency, but the same amount ( {$1000.00} ) is in my credit report ( before collection agency company was Nationwide recovery system XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. Tel XXXX activity XXXX XXXX XXXX XXXX  ). Today collection agency company is XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, MN XXXX tel XXXX activity XXXX XXXX XXXX ( collections ), the original bill was charged on XX/XX/2017 for medical service, but this bill wasnt mine, it was someone name on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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 is missing that should be on the report

Complaint:
i have many inquireies falsley being reporeted. I tried reporting to the FTC but no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Vehicle Solutions Corp
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 sent the credit Bureaus letters asking them to verify the on my report.the have sent it back stating that everything is verified correctly. my credit report is still showing inaccuracies 15 U.S.C 1681s-2 AX1 A person shall not fumish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Untimely response
Consumer complaint received 2023-03-22
Company: PNC Bank N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
About 3 weeks ago I had a log in problem. It was 2 weeks till it was fixed. I could reset my password and it was not accepting the current one. I tried for 2 weeks calling people and going up to the branch. The last time i went up there the teller that helped me was getting mad as i was. She finally found out that someone deleted my security questions preventing from reseting password. I threaten to take all my money and swith banks. 2 or 3 weeks later I get a letter sayng they are closing my accounts. I went to the bank and was going to get some out to open a new account elsewhere. They would give me my money and called the police. They will not verify my email so i can transfer funds. I actuality they are stealing my money. Right now i have {$35000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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: Account status incorrect

Complaint:
In Accordance with the fair reporting act creditors have violated my rights. Under 15USC1681 Section 602 States I have the right to Privacy. 15USC1681 Section 604A Section 2 It also states can not furnish an account without my written instructions. A Credit reporting agency Under 15USC 166B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my recent credit report, which has highlighted several inaccuracies that I believe need to be addressed. After reviewing my report, I have found the following negative items which I believe are inaccurate and damaging to my credit score. 

Firstly, the bankruptcy listed under case number XXXX is an error. I am unsure of how you were able to verify this information when other bureaus have not, and have removed it from my credit report. I urge you to remove this inaccurate information immediately to prevent further damage to my credit score. 

Secondly, the XXXX inquiry listed on XX/XX/XXXX has reached the statute of limitation. I request that this inquiry be removed from my report as it is no longer relevant. 

Thirdly, the XXXX account listed under account number XXXX may have incorrect information. I request that you verify the payment status, balance, comments, payment history, and account number to ensure accuracy. If there are any errors, I request that you fix or delete this account from my report completely. 

Lastly, the XXXX XXXX account listed under account number XXXX is not associated with me. I have never had any business relationship with this company, and therefore this account can not belong to me. I request that this unknown account be deleted from my credit report right away. 

I understand that the accuracy of credit reports is essential, and I would appreciate your prompt attention to these matters. Thank you for your time and cooperation in this matter. 

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 non-monetary relief