BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have {$240000.00} in a savings account at Marcus by Goldman Sachs Bank. 
I can not get my money out of the bank despite XXXX calls from XX/XX/22 and XX/XX/22. 

On XX/XX/22 by phone I closed the account and requested that a check for the money to be mailed to me. I was told that this would occur. I complied with all the security checks and was told that a check would be mailed. I never received the check. 

On XX/XX/22 I called to complain that I never received the check, and the bank representative confirmed that no check had been mailed and we went through the whole security process again with a special P.I.N. code, etc, with a Supervisor, and I was again told that the check would be mailed. I was told it would be sent by registered mail. I never received the check. 

On XX/XX/22 I called to complain and was told that the check was never mailed. I again requested that the check be mailed and was told that it was " in process '', but the representative, and eventually a Supervisor stated that there was nothing more they could do. I asked to speak to the Supervisor 's supervisor, and was told that one was not available at that time, but that we could request that one call me within a few days. I agreed to that, but it is unacceptable that I can not get my money out of this " bank ''. They could not answer any questions about the process or how I could get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX XX/XX/XXXX Dear TransUnion I noticed the following issues with these accounts on my credit report : Account Name : XXXX  / XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Can you delete this ASAP and send me and update. 
I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks. 
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 2022-06-08
Company: EQUIFAX, INC.
State: FL
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 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 a account without my written instructions XXXX XXXX .... 

Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

Before Dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 

Type Auto Loan Terms XXXX Months On record until XX/XX/XXXX Recent balance {$15000.00} as of XX/XX/XXXX Credit limit or original amount {$15000.00} High balance $ XXXX  Monthly payment {$0.00} Recent payment amount {$0.00} Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Account charged off. {$11000.00} written off. {$15000.00} past due as of XXXX XXXX. 

Your statement ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. 

Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 


After Dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 

Type Auto Loan Terms XXXX  Months On record until XX/XX/XXXX Recent balance {$15000.00} as of XX/XX/XXXX Credit limit or original amount {$15000.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount {$0.00} Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Account charged off. {$11000.00} written off. {$15000.00} past due as of XX/XX/XXXX. 

Your statement ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. 

Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 

XXXX XXXX .... 

Updated The information you disputed has been updated. Please review your report for the details. 

XXXX XXXX .... 

Updated The information you disputed has been updated. Please review your report for the details. 

XXXX XXXX XXXX XXXX XXXX Pending If our reinvestigation has not resolved your dispute view your options

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: EQUIFAX, 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:
So I sent a letter off on XX/XX/2022. To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC. No financial institution is suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been having issues with credit reporting agencies. All three have been providing problems for me but XXXX is the worst. I have called at least 3 times during each week for the past 3 months. I have even gone to great lengths and explained to the credit reporting agencies about my right under the Fair Credit Reporting Act and all the do is ignore me. Each time I call in I am giving different information and bounced around to someone who says they are the manage but for some reason sounds like the same person I was original speaking with. I was advised to send in documentation and a letter of why the XXXX XXXX Bankruptcy and an account through XXXX XXXX should be removed. The XXXX  XXXX Bankruptcy has been met and removed from public files and the XXXX Account was in the bankruptcy which also should be removed. I provided them documentation they come back and stated they have to dispute account. After the dispute is completed they tell me that account was verified which in reality was not because the company I spoke with supplied me a letter to provide the agency that account should be removed. This has caused me so much XXXX and XXXX to where I have not been able to focus on everyday life. What has made it harder is the language barrier when I call in because I am unable to understand what the representative is talking about. I am not sure if they are from another country but when I try to have conversations it makes it very hard to explain myself.

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 2022-08-22
Company: AES/PHEAA
State: MA
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:
On XX/XX/XXXX I submitted the attached employment certification. 
I have not not been given credit for XX/XX/XXXX to XX/XX/XXXX. The company insists there was a typed or type like signature. The attached is in BLUE ink and is a hand written signature. 

On XX/XX/XXXX I submitted the attached employment Certification from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX certifying I was employed there for XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022 I deposited a 3rd party check from the car COVID renters help program, the program doesn't require for the applicant to be a citizen or have an id. So it's hard for the applicant to cash check. The check cleared same day with a deposit hold Until XX/XX/2022. Chase closed my account and on XX/XX/2022 a debit XXXX  charge was done. In the amount of {$13000.00}. They did not return the funds to the original named on the check to his address either they are with holding funds until he comes in with a valid id he doesn't have. Because of this he is risking eviction. And homelessness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
So I sent a letter off on XX/XX/2022. To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC. No financial institution is suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.

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 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 a account without my written instructions XXXX XXXX .... 

Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

Before Dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 

Type Auto Loan Terms XXXX Months On record until XX/XX/XXXX Recent balance {$15000.00} as of XX/XX/XXXX Credit limit or original amount {$15000.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$0.00} Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Account charged off. {$11000.00} written off. {$15000.00} past due as of XXXX XXXX. 

Your statement ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. 

Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 


After Dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 

Type Auto Loan Terms XXXX Months On record until XX/XX/XXXX Recent balance {$15000.00} as of XX/XX/XXXX Credit limit or original amount {$15000.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$0.00} Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Account charged off. {$11000.00} written off. {$15000.00} past due as of XX/XX/XXXX. 

Your statement ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. 

Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 

XXXXT XXXX .... 

Updated The information you disputed has been updated. Please review your report for the details. 

XXXX XXXX .... 

Updated The information you disputed has been updated. Please review your report for the details. 

XXXX XXXX XXXX XXXX XXXX Pending If our reinvestigation has not resolved your dispute view your options

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 2022-09-21
Company: HYUNDAI CAPITAL AMERICA
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/XXXX a payout to XXXXXXXX XXXXe for XXXX $ To settle the lease for a new car purchased at XXXX XXXX XXXX. 

The payoff for the 2019 XXXX was XXXX XXXX As per XXXX XXXX own website, they were to remit the difference within 15 days of the payoff. I have yet to receive the refund. Additionally, XXXX took 6 days to even acknowledge the payment only listing the amount due, not the overpayment. 

XXXX has not honored their own policy in issuing a refund, but also a level of malfeasance in reporting the payment on my account. Ill file a separate report as they have also manipulated this account with the credit bureaus.

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 2022-06-08
Company: EQUIFAX, INC.
State: TN
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 Fair Credit Reporting Act XXXX XXXX XXXX Acct. XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 Fair Credit Reporting Act XXXX XXXX XXXX Acct. XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without 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 2022-04-25
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, my bank account was hacked and a total of {$29000.00} was removed from my Checking account with Citibank through 2 unauthorized wire transfers. At the same time, my cell phone was hacked and rendered useless. XXXX hours later I was able to reset my phone, which allowed me to gain access to my online Citi account again, and to contact the bank to report the fraud. In the following weeks, I opened a new account with Citibank, filed an affadavit as instructed by the bank, and filed a police report with the XXXX. I was told it could take up to 90 days from the receiving of the affadavit for a decision to be made in regards to the fraud investigation. I called the Citibank Fraud department weekly to check in on the investigation, and was told each time that the investigation was still ongoing and no further decision had been made. 

Finally, on XX/XX/2022, I received a call from Citibank informing me that a decision was imminent, and that I would get a letter by the end of the week. On Friday XX/XX/2022 I receieved the letter at my apartment address, which notified me that the fraud claim had been denied. Citibank cited that I had not done enough to secure my account 's security, but did not provide any additonal information, and only left a general line to call with questions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I bank with First Citizens Bank. On XX/XX/XXXX my wallet was stolen. I called the police and reported the theft and I have an incident number from the police. 
I reported the card as stolen to the bank online within 2 hours of the theft. Before the debit card was frozen the thief charged 2 transactions at XXXX store. {$860.00} and {$400.00}. 

I called the bank on XX/XX/XXXX and submitted a fraud claim and told the representative that the card was stolen. I was told it would take 7 to 10 business days to resolve. 

On XX/XX/XXXX I followed up with an email and attached a copy of the incident card given to me by the police. I complained about it taking 7 to 10 days. They responded to the email on XX/XX/XXXX indicating it was still being investigated. 

On XX/XX/XXXX I called to check status and was told my claim was denied. They told me to contact XXXX myself and get the money back. I again told them it was stolen and I wanted to appeal the claim denial. I was put on hold and then cut off. I emailed again that same day asking for help. They responded with thank you for your inquiry. 

I called again today and they said that my claim is closed and they will not re-open it. The customer service is really bad. It is kind of like talking to a robot. Service is not the right word for what they provide. 

I am still working with my branch XXXX, but she is having trouble getting them to respond to her. 

My rent is due today and I am {$800.00} short because of this. I have to borrow money to pay rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this accounts. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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 attached my identifying documents, this is proof of identity for all correspondences for this communication. Equifax, the credit reporting agency has over reached and violated my privacy rights via 15 USC 6802-Obligations with respect to disclosures of personal information. Consumer reporting agencies may not disclose nonpublic personal information pursuant15 USC 6802a ( 6 ( a ) ) the Fair Credit Reporting Act establishes this protection to me as a federally protected consumer. Per 15 USC 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.

This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.

Please delete these fraudulent inquiries immediately from any records that are on your system or validate these inquiries by providing me with copies of any documentation associated with these accounts bearing my signature and/or my written permission authorizing an inquiry, per Federal & State statutes.

Furthermore, I also demand you, Equifax produce a contract between you and I bearing my signature showing that I gave you permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Without Recourse UCC 3-415, All Natural Inalienable Rights Reserved Delete the following inquiries from my Equifax consumer report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX BIRCHWOOD CREDIT XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX I did not give any of these companies access to my private information, and as the furnishers, you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Please remove these Fraudulent Inquiries from my report. 
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