BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: MT
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 lived at XXXX XXXX in XXXX MT I paid my rent & moved out in XX/XX/XXXX. I contacted the apartments wanting my security deposit minus the {$75.00}. Fee to repaint accent walls. I took numerous photos proving My apartment was left clean & undamaged. XXXX XXXX was given my address to mail my check. They never contacted me. 
In XXXX Experian reported I owe XXXX XXXX XXXX {$1400.00}. I went to XXXX XXXX with Bank records proving rent payments and photos. The manager I knew had quit and a female was now managing. She agreed I did not owe rent. She told me the manager had quit soon after his brother in law painted my apartment. She was left in a mess a XXXX d couldn't produce the painters name or invoice. My neighbor told me the painter was in my apartment less than 2 hours. I disputed the debt to Experian. 
I am denied housing as Experian rentbureau shows the negative report under rent history plus XXXX XXXX XXXX reports the same {$1400.00} plus charges of {$920.00}. 
I am refused housing and the XXXX refuses overnights with my daughter until I can get a place with a room for her. I have to drive XXXX hours round trip to visit my daughter XXXX to XXXX. 
XXXX XXXX have humiliated 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 explanation
Consumer complaint received 2021-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
The Bank of America which uses Visa and MasterCard was affected by the publicised XXXX Data breach which only affected Visa and MasterCard. There was a transaction that I disputed for {$530.00} that was not authorised. It is my understanding that this transaction was included in this XXXX data breach and my information may have been compromised during this data breach. To date employee that I spoke with at the Bank of America by the name of XXXX was not aware of the data breach and that Bank of America executives are not discussing the affects of this data breach. I have requested for bank to look into this matter.

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 2021-01-13
Company: Experian Information Solutions Inc.
State: AL
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:
Debt XXXX are trying to collect debt not owed by me I was a victim of identity theft in 2019 and several accounts were opened in my name and social I have been on a hard road to get it fixed but XXXX XXXX XXXX and XXXX are giving me a hard time I assume they do not think it was fraud and they just assume that which is because I can see in my credit that whoever opened these accounts made a few payments and then stopped so I guess that may be why they will not consider it fraud

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 2022-04-27
Company: Block, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2022, I updated my square retail Pos profile I called support to assist me with the update when I was on the call with the support team, they wouldn't answer any of my concerns about my account the rep just kept talking over me and told me to let him know when I get to a certain page so he could help, me get the information updated, that didn't happen on XX/XX/2022 I received a invoice payment to the account totaling XXXX the first part was XXXX and today the balance XXXX. Square froze my account blocked deposits and now they are asking me to submit 3 months of bank statements, I'm not taking out a loan. I'm trying to understand if there was any issue why I wasn't informed before payments started showing up,. I did reach out to then only to be more disappointed with them, they say the Law now requires them to do this to square accounts, I did request to get all this in writing. after calling in over and over one rep found the issue and stated it was an error on the Square end when the rep went to update my profile he didn't update he just opened up a whole new Square account under my original account I had for years. the problem is they want to hold my funds until they figure out how to transfer the funds in my account or I can just to what they want and submit 3 month of bank statements to verify the account because I'm showing two accounts with Square.. There is no transaction history to show because its not a new account, but its showing up as a two day new account according to them, they need to be held accountable for this hardship they are unprofessional and this is unacceptable they need to put my funds into my account without further delay and correct the issues they caqused..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: PR
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 have a car loan with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, PR XXXX. This installment account I've had for years and is an automatic debit to my checking account for the montly payment and recently I saw that in my credit report, the account was about to become a charge off. I called the bank and have not been able to get a clear answer. Then I have tried to dispute it to the bureaus with all the evidence that I have from the bank and I have not heard or had a response from the bureaus or the bank. 
I had to make a formal complaint to State Financial Institution regulator in order to complain on the mishandling of my financial information. This violates my rights as a consumer to have the correct information being reported on the credit report. 

Attached all the evidence. 

Please advise,

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 2022-10-13
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is regarding a transaction dispute with case ID XXXX in the amount of {$250.00}. Credit card company is Citi. Date of original purchase XX/XX/2022. Date of dispute XX/XX/2022. 
I purchased a refundable air ticket with XXXX XXXX and within XXXX hours of purchase I contacted the merchant via phone for the ticket cancellation and a full refund. Per the cancellation policy the merchant stated that they would issue a full refund back to my credit card. However after XXXX months Citi still didn't post the credit on my account. Therefore I opened the dispute for the full amount of the charge. 
XXXX responded to the dispute by providing Citi with sales slips showing that they had issued the full refund of {$250.00}. However Citi determined that I was responsible for the charge. I disagreed with the decision and submitted additional explanation through email, which Citi received but didn't reverse its decision. I believe this was clearly an error made by Citi, but in the phone call the dispute department of Citi refused to reopen the dispute for further review.

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 2018-04-13
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX : XXXX : UNAUTHORIZED INQUIRIES XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus XXXX, Equifax, XXXX. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was originally one loan with XX/XX/XXXX back in XXXX - they sold the mortgage after we had 28 % percent damage from hurricane sandy. 

After that we had surmounted a huge mortgage ( XXXX ) and it became unbearable and we had tried and tired to get a loan modification - on XX/XX/XXXX we finally got approved for a loan modification only to find out as of XX/XX/XXXX, apparently we had a second lien holder where we thought we had just gotten a modification. 

We both were effected by covid and was happy to have receive a forbearance during the covid time and now the mortgage company SLS Sold off a second mortgage to XXXX company and apparently we now owe that company too. 

We need help and I am trying to work all of this out and I am finding myself in a bait and switch situation with SLS & Previously with XXXX XXXX There appears to be some shady business practices and I am not a savvy guy on mortgages and I find myself in a pickle and I dont like they way these companies are handling there business. 

We have only been trying to straighten out our lives and now its even more confusing and I feel these companies are taking advantage of our situation and not helping the common American. 

what is the consumer to do when we are held in trouble and trying to make ends meet only to find out that I dont have the money to fight all of this craziness in court ... .they hold all the cards and meanwhile my credit gets ruined and causing stress as well as causing a XXXX attach back in XXXX from all of the stressors from Hurricane Sandy and loss of work. 
Where do I go ... ... ..These companies are taking advantage and ruining the little guy, while they laugh all the way to the bank ... ..Now I am sure you will not investigate this to the detail to see all nuances that have taken place. The government allowed us to take a forbearance due to covid and now the mortgage companies are pouncing on the consumer which is going to cause a mass foreclosure rate - this is not just a me problem this is going to be an us problem ... unless these companies work out a plan a fair plan ... ... ... There is some sort of dirty dealing here ... 

Please help 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 explanation
Consumer complaint received 2020-10-15
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I was notified via letter on XX/XX/20 that Winn Law Group would be garnishing my wages by 25 % beginning XX/XX/20. I called them immediately on the XXXX, I got an approval to settle the debt in whole for {$1600.00}. I went to the bank immediately, procured a cashier 's check, & XXXX overnighted the check. The check was received on XXXX PST on XX/XX/20. Today, my check from work was garnished anyway. When I requested assistance from the company for seizing my assets after they settled my debt, they told me they had done their job and would not assist me in recouping my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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: Information belongs to someone else

Complaint:
On XX/XX/2022 I received a response from Experian dated XX/XX/2022 forwarded through the attorney general 's office about inaccurate info on my consumer credit report. Experian indicated that both fraudulent accounts " XXXX XXXXXXXX XXXX '' and " XXXX '' are currently not listed on my credit report. While this is accurate for " XXXX XXXX XXXX '' which has been removed from my consumer credit report, however the account " XXXX '' is currently listed on my consumer credit report. This is indeed another " LIE '' from Experian stating that an inaccurate and fraudulent account is NOT listed on my credit report when it clearly is. I have submitted several police reports and FTC reports and the account " XXXX '' is still showing on my consumer credit report and is causing severe financial hardship. I am in the process of trying to refinance an Auto loan due to financial difficulties. XXXX XXXX XXXX XXXX obtained a copy of my credit report today on XX/XX/2022 and has declined my refinance loan because of the fraudulent account " XXXX '' listed on my consumer credit report. Not only has EXPERIAN lied again on my consumer credit report but they have failed to block the fraudulent account in a timely manner according to the Fairs Credit Act 605b. Because of this failed action on Experian 's behalf my financial hardship is now extremely severe. 



I have attached a current copy of my Experian Consumer Report showing the fraudulent account XXXX  which is reporting negatively and caused me severe financial hardship. I have also attached a copy of Experience response which was forwarded to me by XXXX XXXX at the Office of Attorney General Consumer protection Division.

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 2019-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I submitted my salary cheque on XX/XX/19 on Tuesday of XXXX- dollars in bank Of America i called them on Thursday why my cheque. is not cleared they. said. for verification purpose. i said ok then on friday called again why my cheque is still on hold they said we don't know I asked them then who knows they said. specialized team and they also cant help you I said who is responsible for all problems I am facing in form of rejecting payments and late fees since tuesday they didnt cleared my payment even other bank cleared payment on XX/XX/2019 even i have statement of other bank I called them again they Were rude with me and said we don't need your way we will do it Our by own way i said where i can file complain give me email i'd so i can send cclearance statement they said they don't have email id or complain center I have family I have to pay bills my phone bill is due insurance I delayed some payments and some were bounced back since the hold one time. payments got rejected putting late fees and overdraft fees still i am seeking help nobody is taking responsibility and delayed payments Bank of America owe my money and not clearing My payment even other bank cleared it i am still wondering and seeking help. but nobody is helping and i am afraid because of non payments my credit will g0 down. and the charges i am facing nobody is taking responsibility now you are hope for me otherwise i have to go ' to court for help.

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a car loan with XXXX XXXX XXXX XXXX and 2 large payments a few months apart XXXX to {$3000.00} and it showed it was delinquent and I didnt realize it would affect my monthly payment status so Im trying to have this removed from my credit port the loan was paid off early.

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 2022-04-27
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
BULL CITY FINANCIAL SOLUTIONS , INC. is reporting false and inaccurate information on my consumer report. I sent BULL CITY FINANCIAL SOLUTIONS, INC. a debt validation according to 15 USC 1692 ( g ) ( b ) to verify the debt obligation. Also, included in the letter was a cease and desist all reporting. I gave them ample amount and of time to respond to validate the debt. BULL CITY FINANCIAL SOLUTIONS , INC. has acquiesced thru their silence and has failed to answer any of my questions. The account # XXXX is still showing on my consumer report. I sent them a NOTICE OF DEFAULT AND OPPURTUNITY TO CURE along with a invoice with FDCPA and Privacy Act violations and the never responded. This inaccurate information on my consumer report has caused me and my family severe harm due to negligence and inaccurate reporting. I, XXXX XXXX did not authorize, BULL CITY FINANCIAL SOLUTIONS , INC . I, XXXX XXXX do not have any debt an obligation to BULL CITY FINANCIAL SOLUTIONS , INC .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions 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:
YXXXX 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 XXXXYou have lived at this address XXXX / XXXX  Update Details about the identity theft Theft Incident : Other Identity Theft With what company or organization did the identity thief pretend to be you? Name of an organization representative that you spoke to : Organization 's phone number : Organization 's email address : When did you first notice the problem? If you know, estimate any fraudulent charges.0Account number : Update Add a Theft Details about the person that used your identity First name : Middle name : Last name : Company name ( if applicable ) XXXX Street address ( including apartment info ) : Country : UNITED STATESCity : State : Zip code : Phone number : Email address : Relationship : How did the suspect get your information? 
Do you have any additional information about the suspect? 
Update Additional Information Have you reviewed a copy of your credit report? 
Yes Was any personal information wrong in your credit report? 
When you apply for credit, the lender places an inquiry in your file. Inquiries are listed near the end of your credit report. If you see any inquiries that you didnt initiate, please list them here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have you contacted your local police department? 
NoPolice department : State : Have you requested a fraud alert from one of the three national bureaus ( XXXX, Experian, XXXX )? 
No Was your personal information exposed in a data breach? If so, you might have access to free insurance or repair services. 
No I have received data breach notices from the following companies : Has a debt collector contacted you about an account that isn't yours? 
No Were there any fraudulent accounts included in your credit report? 
Yes Update Comments about your situation Personal Statement : 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 
Update

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