BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-19
Company: Experian Information Solutions 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:
Fraudulent Negative Accounts : XXXX  XXXX Account Number.n/a Account Opened : XX/XX/2022 Balance {$2400.00}

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 explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: NJ
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-07-15
Company: Westcreek Financial
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
From XX/XX/2023 to XXXX XX/XX/2023 Ive been getting frequent/repetitive calls from XXXX. I went through them because of some furniture I had bought. I get calls multiple times a days from different numbers but mainly 1 number. I got accepted for a loan for {$1900.00} but only had to use {$1300.00}. I was told I had to pay XXXX every week which is alittle needy. Ive paid XXXX of it so that leaves me with XXXX left. Forgot to mention they are charging me XXXX instead of XXXX. They ran my credit card debt up while I lost my job and providing for my newborn. They made my credit score go low. To the point I couldnt find an apartment to accept me to live. So I paid XXXX of it but now my total is XXXX instead of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: SYNCHRONY FINANCIAL
State: VT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synchrony Bank, which administers Amazon cards, is aggressively pushing paperless statements without providing a functional way to opt-out. Here is an example email received today : " Your Amazon Store Card account is going paperless on XX/XX/XXXX. You will be able to quickly and easily view your statements and manage your account online. 
... 
Don't want to use paperless billing for this account? 
Click here by XX/XX/XXXX to continue receiving paper statements. 
By not clicking the opt-out link above, you agree to receive your statements electronically only. You will no longer receive paper statements in the mail. 

However, the " opt-out '' link goes to a non-functional web service. I have made multiple attempts at different times and each time returns : " 504 Gateway Time-out ''. 

It seems that a customer should have to affirmatively opt-in, rather than have to opt-out. And of course the opt-out service should function!

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 2023-07-31
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an accounts passed on that should be taken out or Block. Per FCRA you are expected to delete this accounts.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX  XXXX XXXX XXXX BANK 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 explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I recently updated my banking information with Experian and began to continue my dispute with a property management company and apply my XXXX child to my account, with my devices being hacked I called and was told they could not add my child on their end. My subscription included this feature. I have reason to believe my child 's identity may be used or may have been used. Our social security cards were stolen, and my information has also been given to the dark web along with my child 's. I have explained to Experian that I have paid for a subscription I can not use. I do not want my money back, but I would like the services I paid for.

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 2022-06-19
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:
In accordance with the Fair Credit act XXXX  Account = XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. XXXX  XXXX Bankruptcy have violated my rights. 

15U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2023-10-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: NM
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 alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The following items should be deleted as they are fraud in my credit file : 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 explanation
Consumer complaint received 2022-06-18
Company: Statebridge Company
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have undergone life saving treatment for health issues. I have tried to resolve all mortgage issues with my previous mortgage servicer XXXX XXXX. We offered to resolve debt for a short payoff. We offered them the amount of the value of the interior appraisal. It was not until XX/XX/2022 that I was informed by XXXX XXXX  that they transferred mortgage to statebridge. Secondly, the foreclosure was prosecuted without standing. Lender had to ask the court to vacate their judgement of foreclosure and sale and reinstatement a new judgement and change the name of lender. Lender should have requested foreclosure be dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

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 explanation
Consumer complaint received 2023-07-15
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I was sent a promotion by U.S. Bank telling me they would give me {$750.00} if I opened an account and deposited {$15000.00} within 30 days. 
I opened the account online on XX/XX/2023. They sent me an email confirming account was open but email did NOT contain my full account number. 
Because I did not have full account number, I could not create online account and then trigger transfer of the required {$15000.00} to get the signup bonus of {$750.00}. 
I called US Bank around XX/XX/2023 and asked for my account # and they said they could not provide it to me. 
They said they would mail it to me. 
Finally -- more than 30 days after opening the account -- on XX/XX/2023 they mailed me my account #. But now that 30 days has passed since account opening, I am not eligible for the promotion and the {$750.00} they promised me because I could not deposit my money within 30 days of account opening because they refused to tell me my account number. 

This is a complete bait-and-switch! They promised me a {$750.00} bonus for opening an account and I followed all the steps and they purposely withheld my account # until after 30 days had passed so I could not make the deposit necessary to earn the promotion. 

I can not believe this problem is unique to me. I bet they did this to everyone they sent the promotion to.

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 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : 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 an 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 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 2021-05-26
Company: BBVA FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
- On XX/XX/2021, I called BBVA about a discrepancy in my checking and savings accounts. As their representatives confirmed on the phone, I made a mobile transfer of {$1600.00} from my savings account to my checking account. When I accessed my account yesterday, the transfer showed up on both ends, showing a balance on each account reflecting the transfer. 

- Before the transfer my savings had about {$14000.00}, after the balance was about {$12000.00}. 

- Today, the transaction does not show up on either account. Yet, my savings balance is still around {$12000.00} and my checking account balance does not seem to account for the transfer and stands at {$1300.00}. 

- When I called BBVA, the first representative confirmed the transaction and that my balance should be about {$2900.00} ( thats what he said he saw when he read it on his end ). He then transferred me to another representative who investigated the issue and initially agreed with my assessment, but then contradicted me later after speaking with someone else at BBVA.

- I called again, the first customer service rep then could not help, and " transferred '' me to someone else, who hung up on me before saying a word. 

- As it stands, Im missing {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: CA
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:
The major credit reporting agencies ( XXXX, Equifax, XXXX ), are giving lenders too much power over information reported by lenders about consumers. Credit reports/scores reflect whatever lenders are reporting including inaccuracies which has a catastrophic effect on consumers creditability. All of my accounts both open and closed are currently in good standings and have been since the duration of the account ( s ) open, yet my credit score continues to decrease. It went from a XXXX FICO score to XXXX within a year and a halfs time ; all without having one single negative remark. As a result, I have been turned down for employment as well as credit/loans based off of scores even though my payment history is 100 % paid as agreed for all my accounts. Creditors are manipulating the impact on the information about my consumer credit reports and are prolonging the resolution process by repeatedly reporting inaccuracies. Meanwhile, I continue to miss out on opportunities that would have been available to me had an accurate account of my creditworthiness been reported. There were times I made large payments and even paid off balances and my credit score continued to decreased based off of utilization and balances. Lenders have fabricated the details of their reports causing other lenders to close accounts that were in good standing. Many creditors have also decreased the credit limits on many of my good standing accounts causing my utilization and balances to spike to and above the available credit limits. Currently, creditors are manipulating consumers credit reports to accommodate for their own benefit rather than the consumers. Creditors are disregarding the set backs due to the XXXX pandemic and over flexing their powers to report consumers creditworthiness. They are offering relief to consumers but are not honoring the offers and/or maximizing higher interest opportunities during the relief process. Creditors are capitalizing off of the fall of the economy during the pandemic and taking it out on the consumers. Credit reporting agencies are enabling creditors to misrepresent consumers creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Our organization XXXX XXXX XXXX DBA XXXX XXXX XXXX is a 501C nonprofit organization and every year, we hosted a beauty pageant event to promote and empower women around the world. In order to participate in our pageant, a contestant must pay a {$2000.00} USD entrance fees or a {$500.00} application deposit. The entrance fees cover the cost of foods and hotel for the contestant during the pageant week. Everytime we received the payment from the contestant, Square hold our money and will not release the funds until we provide an invoice to Square. We are not a retailer and there are no invoice to provide to them. Everytime we failed to provide the invoice, they closed our account and keep our money until they are done with their investigation. 
Our website host is XXXX which is also owned by Square therefore all the payment must go through them. If we want to use XXXX, Square will charge us an upgrade fees in the amount of {$25.00} per month in order for us to use XXXX. We are a nonprofit organization, we dont have money to pay for extra fees. I need Square to stop asking me to provide unrealistic invoice. Everything is black and white on our website : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Bread Financial Holdings, Inc.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I transfered XXXX $ online from my XXXX  checking account to a separate institutions Comenity Direct financial account. The Comenity Direct account rejected it despite funds available. 
I repeated the transaction. This time the XXXX $ withdrew from my XXXX  Checking account and transferred successfully to my Comenity savings account. 
On XX/XX/XXXX my Comenity savings account charged back the XXXX $ due to insufficient funds which is untrue as the funds where with drawn from my XXXX checking. So I never got my XXXX $ back into my checking account. 
I fought with them for several days with no answers. 
I then filled a dispute about the unsuccessful transaction from my original XXXX  checking account. 
XXXX found the error was true then added my XXXX $ back. Then somehow Comenity Direct with Drew this newly added XXXX $ back to the Comenity Direct savings account again. The savings account again charged back another separate XXXX $ from my account now shorting me and stealing XXXX $ dollars! They have now stolen XXXX $ from me and I've exhausted all resources to get this money back to no ends.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 wrong, missing fraud etc. information on my credit reports. I have disputed this for 3 plus years, I again contacted each bureau and tried to resolve. they have violated my rights under 15 USC 1681. they have caused me harm, jobs, loss of credit, mortgages and loans etc. 
I have repeatedly tried to get the information removed and they just turn it over to someone else for me to contact. 
I did not give then permission to use or sell my information. 
i did not give them permission to use this negative credit against me. 
I have shown them this was not me my name is XXXX not XXXX. they still will not remove these 5 accounts from my file

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