BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SPS select portfolio servicing Inc. is the servicer for XXXX XXXX XXXX XXXX in XX/XX/XXXX they filed a foreclosure presiding on XX/XX/XXXX the Covic 19 obligate the government to close or put on hold all proceedings., SPS continues with the foreclosure with out respecting federal and state laws., The CARES Act general prohibits a servicer of federal back mortgage loans from continuing legal remedies during the pandemic and that foreclosure should resume after XXXX. SPS has violated all rules ( copy attached of case with all entry Information ). SPs has felt on give me the opportunity to apply for loss mitigation. And has denied the opportunity for any forbearance program under CARES Act .Please Investigate and resolve as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
A few years ago. I signed up for a XXXX credit card with Synchrony Bank that promised 1-3 % cash back. 

XX/XX/XXXX I was notified that my account would be closed on XX/XX/XXXX. The email stated that I could continue to use the card through XX/XX/XXXX. In the email it said " Outstanding cashback on purchases will be paid via a statement credit within two billing cycles. '' So, when I get my final bill ( available online at the end of XXXX ), I noticed, that, unlike all of the other bills I have ever received, this bill didn't have a statement credit. 

So on XXXX XXXX I contacted customer service. And the first person I spoke with said : " For the cash back, it should be updated and reflected at the end of the billing cycle date and that will be on XX/XX/XXXX. '' But when I tried to dig in and get details, the representative got disconnected from the online chat. So eventually I was able to speak to someone else to get details, and they said " The closure of all accounts forfeited the rewards. '' and later " However, the statement closing date shows XX/XX/XXXX which happens to also be the closure of all accounts. '' So I did not get the 1-3 % cash back on the ~ {$2000.00} that I spent on the card that month.

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 2020-12-15
Company: Square Inc
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I fell for a sugar daddy scam and he stole my cash app account. I want the account shut down but I cant contact cash app at all Ive tried call and everything. They dont have a help line and you have to have access to the account for you to go to the support and get help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: MA
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The 3 Bureaus Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. This inquiry is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need this inquiry to be removed. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: MA
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 have been disputing fraud items on my credit report since XX/XX/XXXX. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is signed and attached with an FTC and Identity Theft affidavit, yet the bureaus are still not taking any actions. These items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let this fraud inquiry affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. Not only have I not received any mail showing the verifiable proof needed to justify these items to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money with no end in sight and no results to show. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! THE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete these items immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX RI XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: PA
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 was contacted by XXXX XXXX, regarding my student loan. I noticed last year that there was a dispute that was under my name that I had not disputed, causing my credit score to plummet. They had a dispute for my sister, but falsely claimed that I disputed this account. 
My consumer credit file again has been affected by the inaccurate and unauthorized disclosure of my personal nonpublic information, shared with a third party, the Credit Reporting Agencies. My consumer rights have been violated and XXXX XXXX XXXX  has violated the FCRA. The payments that I have made on these loans have been misapplied, my account is showing to be incomplete, and missing accounting history. 

The consumer reporting agencies are bound by the FCRA to maximum accuracy, which clearly was not done here with the reporting of this account. Both companies have conspired together to cause financial harm in reporting payment status as being late, violating 15 USC 1666b. In addition, XXXX XXXX has also violated me, the consumer, pursuant to 20 USC 1232g, the privacy act of 1974 and my educational 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 explanation
Consumer complaint received 2021-12-22
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2023-07-08
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Last year I was randomly blocked from signing into my PNC account. I had a pending wire for XXXX $ that never arrived to the recipient ( XXXX XXXX XXXX ). I had wired money to XXXX  many times with no issue. 

At this point they have NOT released the funds that were left in my account ( XXXX $ from the wire that never went through ). I STILL receive emails from PNC every day stating that I have a low balance of XXXX XXXX this is because PNC XXXX  out my account and to this point ( over a year later ) has not given me an explanation as to why my account was closed OR when I will receive my funds. 

I have visited PNC bank in person and spoken with a banker. Even they tell me they are unable to help me. 

Are banks allowed to take my money and hold it for years without giving me any reason for doing so? 


Ive attached a screenshot of the email I continue to receive DAILY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
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. The city paid my lawyer, and my lawyer issued me a {$13000.00} check on a XXXX XXXX Chase Bank account. I presented this check to Chase Bank, 4 Chase Metro Tech Center, XXXX, XXXX on XXXX XX/XX/2023. The teller refused to cash the check citing the " account owner has a restriction '' that doesn't allow for anything over {$2500.00} to be cashed. I called my lawyer on the spot and he said, yeah, that's XXXX, he has no restrictions and in fact, has had many clients cash much larger amounts from this exact same account. I asked to speak with the bank manager who again refused to cash the check drawn on his bank. He suggested I " go to a check cashing business to cash the check '' and warned of the roughly {$1300.00} fee I'd have to pay as a lead up to selling me a bank account at Chase by way of pressuring me with a huge financial loss if I didn't buy a Chase Bank account. Which begs the obvious question : would Chase then refuse to honor their own check when Pay Day Loan and Check Cashing presented it to them as they are now refusing me? How does THAT work? As a XXXX veteran who is not that far removed from homelessness, I feel totally abused, almost like being violated. I went three blocks down the street and tried again at a different Chase, thinking it was just a fluke ; a one-off weirdo predatory manager, but it's Chase as an institution that is predatory. I was forced to open an account with Chase, including mandatory overdraft protection ( {$40.00} fee per overdraft ) before Chase would grant me access to my money drawn on their bank. This second Chase ( XXXX XXXX XXXX XXXX Bank 's manager was much more civil and wanting to help, but the best he could do was for me to ask my lawyer to re-issue me multiple checks of {$2500.00} or less, and that he could cash them with a {$10.00} service fee per check. Nice. And while paying {$60.00} to Chase for Chase to cash a Chase check from a Chase account is better than {$1300.00} fee elsewhere, it feels dirty and illegal, like extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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 am writing to you with great concern about the unresolved issue of unverified accounts that continue to mark my credit report. This marks the third written request I have submitted seeking the Method of Verification. Regrettably, your company has not only failed to provide me with the necessary information but has also persistently violated my consumer and civil rights throughout this ordeal. I want to underscore that I have diligently maintained detailed records of all my communications with your organization and am prepared to take the necessary steps to address this matter, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
The presence of these unverified accounts on my credit report remains a significant obstacle to my ability to access credit and financial services. Consequently, I insist that you promptly furnish me with the following information : I demand immediate physical verification or removal of the following unverified accounts, as well as the provision of the Method of Verification.

I demand the following accounts be verified or removed immediately.

. 1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS  XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX attempted to fix the issues personally many months from XX/XX/2022 til XX/XX/2022 then had a credit repair team attempt to fix it from XX/XX/2022 to XX/XX/2022 at this point the XXXX credit bureaus and defaming me and I framing that all reports not with dates that dont match and incorrect information be deleted immediately I spent over {$300.00} buy a printer, ink, stamps and envelopes and countless hours doing so. I then spent {$140.00} a month for 3 months with a credit team. Its defamation of character next step will be to sue. Also paying for XXXX and XXXX 9 months

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 2019-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 filed a dispute with Transunion requesting that they verify the accuracy of some creditors and collections listed on my credit report. They sent me a letter saying that the creditors and collections had been verified. On XX/XX/2019 Transunion received my certified letter asking them to provide me with the method used to verify the collections and creditors listed on my credit report. By law they have 15 days to provide in this information or delete the unverified creditors and collections that had not been validated. It is now past the 15 days and I have not received anything from Transunion and the creditors and collections that are being disputed is still showing on my credit report.

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 2022-12-31
Company: EQUIFAX, INC.
State: FL
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:
Account Name XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2016 Amount : {$0.00} Account Type : Charge Off, Deposit Related This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Dave Operating, LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am usually paid two days early but decided to wait til the actual day to give them a chance. But it is now XXXX XXXX  and XXXX banking has not deposited my money from my job. They have not provided an explanation and are actively avoiding saying what's going on. I got paid XXXX $ from XXXX. I called payroll and they already knew about XXXX banking because it's happening to everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I received my credit report earlier this year via ( XXXX and XXXX ). After reviewing it I realized the inaccuracies being reported under my personal information. After becoming aware of the inaccuracies, I sent a letter to XXXX, Equifax, and XXXX to delete inaccurate names, numbers, and addresses with proof of my correct information ( My Driver 's License [ only correct name and address ] and Social Security Card ) that should be reported via certified mail. I sent the letter XX/XX/2022 and XXXX, XXXX, Equifax they received the letter by or before XX/XX/2022. They received my letter and sent me my credit report on XX/XX/2022 ( Just XXXX ). However Upon further investigation little to nothing was changed. Last month, XX/XX/2022, 7 inaccurate names were being reported and as of XX/XX/2022 only one inaccurate name was deleted leaving 6 inaccurate names while not even reporting my correct name. 

The same thing was done with addresses. XX/XX/2022, XXXX inaccurate addresses were being reported. As of XX/XX/2022, XXXX of the addresses were deleted however they are still continuing to report 2 incorrect addresses. 

As Well as my DOB just being reflected as a year and not a month and date. ( just XXXX ) In Conjunction with that I have falsely placed accounts with Us Dept of Education and Bank Accounts that are not mine each Bureau choose to not delete these incorrect names and addresses and accounts because they are associated with debts that I have already disputed are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Called my cell phone multiple tmes that is on the do not call list without my permission. 
Wouldnt verify debt amount Wouldnt provide proof of the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: IN
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:
To whom it may concern, This is in response to XXXX XXXX XXXX in Re : XXXXXXXX at XXXXXXXX XXXX XXXX As I stated back in XXXX of 2023, XXXX XXXX XXXX of XXXX XXXX XXXX and the Lawyers for XXXX apartment complex dismissed the case against me without prejudice and vacated the hearing set for XXXX XXXX the Lawyer called me and said I didn't have to appear as well as the courthouse clerk. Explain to me how the collection agency, who I didn't had a signed contract with while residing at XXXX apartment complex Still harassing me and my family, calling my immediate family members harassing them. Using profanity and trying to extort money from me which is a violation. I never signed anything with XXXX XXXX XXXX That being said, XXXX written it off as a tax write off and got paid and XXXX XXXX XXXX bought the debt for little of nothing and they trying to get paid as well. I clearly provided documents and still getting ignored by Experian. I provided proof. If this account is not removed immediately, my final step is to sue for defamation of character and emotional distress. 15 USC 1681 A4 : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.

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