BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: AZ
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXXXXXX XXXX  XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A year ago I was scammed into using my vehicle to advertise for third party companies with decal stickers, I was contacted through a text message with instructions about how to start advertising. I received several messages with instructions on what to do with the check which i received for the amount of {$2900.00} delivered by XXXX. 
I was instructed to deposit this check into my personal checking account and i said no that i would open a separate account for business. It took me about two days to open an account with BANK OF AMERICA i explain myself to the ( Relationship Manager Banking Officer ) she her self was interested in this advertisement getting paid wkly of {$800.00} When i went back to the bank a day or two later, following the instructions that were given to me. I was told that it was a cashiers check that had bounce and that it was fraud. 
I asked for help in what should i do about this situation and i was given an XXXX number from BANK OF AMERICA to make a report which i did. 
So here i am a year later trying to open an account with another Bank and i was flagged for fraud. BANK OF AMERICA confirmed the account balance is at {$0.00} and I'm cleared of the balance. 
I was scammed and i need help in removing this fraud off my name.

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 2023-06-28
Company: Experian Information Solutions Inc.
State: KY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
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 2021-01-20
Company: U.S. BANCORP
State: PA
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:
Call to XXXX XX/XX/2020 XXXX est XXXX , Supervisor advised I need to call DNB and ask why theyre not reporting my account. She then advised me to write via snail mail to your internal Credit Bureau Disputes department and dispute why my account isnt being reported. 

XXXX, Call Center Manager, then advised much of the same. She went on further to state its my prerogative whether to take her advice or not. She spoke in a very condescending and matter of fact tone. She told me who her superior was ( XXXX, Team Manager ) explained and reaches him via text and email but would NOT be contacting him for my issue, and stated under no circumstances would he oblige a return call request from me. She stated she is the highest level of management that would help me and if I didnt like it I needed to write a snail mail letter. 

I reminded XXXX the majority of the world is working remotely like she is due to the catastrophic Covid pandemic and instructing me to mail a letter when she could simply contact her superior for additional information would further exacerbate my issue. 
To this, she replied snakily, OK I grew more frustrated and asked my account to be fully detailed about this interaction ( she said nothing ) Exhausted and feeling hopeless, I asserted I would contact the XXXX XXXX XXXX, the attorney general 's office, and the consumer protection bureau. XXXX wasnt phased she simply said OK. 
I then terminated the call. 

Emailed the following via XXXX and got no response. 

- XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX VP - XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX, Director of Strategic Partnerships - XX/XX/2020 at XXXX XXXX XXXX XXXX VP Relationship Management

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 2023-02-24
Company: Early Warning Services, LLC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
- XXXX/XXXX/23 at XXXX on XXXX saw an offer for concert tickets for XX/XX/XXXX from an account under the username XXXX XXXX posing to be real life person who is a mutual friend, XXXX XXXX XXXX 
XXXX/23 sent screen recording of our conversation and opened the confirmation email of their two tickets. 
XXXX23 XXXX XXXX  first Zelle payment of XXXX $ for tickets was sent on my end. 
-XXXX/23 XXXX the scammer sent a photo of the screen to transfer the tickets on XXXX to my correlating information for my account. Photoshopped a fee of {$100.00} to transfer. 
XXXX/23 XXXX XXXX my second transaction of XXXX $ via Zelle payment was sent. 
-- XXXX/XXXX/23 XXXX I asked for an ID to be sent when asked for another XXXX  payment as they claimed my payments would not be processed for 5-7 days, ID was most likely a fake. ID also did not correlate to the images on their XXXX. I messaged the real mutual friend on XXXX and told them they were being used to catfish.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Social Finance, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Sofi. Has put a hold and lock on two accounts, I opened .I was told that the reason is due to a investigation ongoing, but when this account was open I had problems with my funds and purchases being made from the account with out my approval or knowledge. There was a complaint I made they said that I put in the wrong address and the first set of checks were being used by online purchases. I did not put in the wrong address. The representative called me after I ordered the first checks his name was XXXX. He asked for all my information then hung up I called back and some other representative said there is no way I spoke to a man that worked for sofi they are not allowed to give a name. I explained the caller Identification said sofi the lady said that she would call back. Any how my account was compromised, then before they called back another purchase was made for XXXX at XXXX I called sofi again they said there is nothing they can do it looks like a good purchase I returned said maybe its a mistake from XXXX XXXX  used to make a purchase on a site I was browsing but I checked and Ive never visited the site before, I again got on the phone said how is it possible that you dont have the means to put back what you lost that I had trusted sofi with. I was in mid explaining when the person said I can put another order of checks for you. I said ok. And they shunned me .hung up and that was when I last spoke to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I called American Express to have a fee of {$29.00} removed from my credit card account, As this is the first returned fee never have I ever had a problem from the date the card opened. American Express states that money was not available in my bank account the time they wanted to draft a {$100.00} dollar payment so a returned fee of {$29.00} was applied. I found that this was inaccurate I had more than enough money for them to draft now they have a freeze on my card and my payment of {$100.00} has already went through. American Express is showing unfair practices towards me the consumer. 
I want the fee of {$29.00} waived. 

The payment was made on XX/XX/ and they show the above returned payment was XX/XX/ how can that be. The payment already credited my bank account same day of XX/XX/.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: LA
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:
My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2021-01-20
Company: SYNCHRONY FINANCIAL
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:
I have disputed information on my XXXX credit report multiple times and it continues to stay. Old Navy/Synchrony Bank account is reporting 120 days late. Synchrony bank provided me an affidavit that they would correct their reporting and remove the 120 day late inXX/XX/XXXX. As of XX/XX/XXXX the account was still reporting 120 days late. I disputed with XXXX while providing the affidavit and twice now they are continuing to report inaccurate information.

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 2023-11-21
Company: Frost-Arnett Company
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received XXXX bills of owing a debt, but I have insurance and had insurance during the time of treatment and well after I called a few times and was told the debt was waiting for approval of payment.. 
XXXX debt was taken care of because I called XXXX XXXX after a notice in the mail and called my insurance company on XXXX way of which I should not have had to do. 

I asked about the other debt in the amount of XXXX and was told it should be taken care of and they are waiting on my insurance company to pay it.. 
I have not got ta a phone call A letter. Or any other type of attempt to collect this debt from XXXX. I only got a letter stating that it was in collections. 
I have provided my insurance information on every call I have made to XXXX XXXX I assumed it was take care of since I had not heard anything for months. 
This is unprofessional and unfair The lack of communication between them and the insurance company is not my fault and they are causing me a great inconvenience as I am trying to transition financially to be able to qualify for certain things coming up soon. 

This needs to resolved and XXXX XXXX  needs to take the proper action to resolve this matter instead of sitting and waiting on the insurance company. 

It is clear no efforts have been made to confirm my insurance. 

And again, nor was I notified that this was not taken care of How is it XXXX bill was taken care of, but the other bill which was a continuation of of the first bill Again instead of calling me or sending notice No efforts were made other than waiting They made no attempt to follow up with my insurance company Instead they sent it to collections which is incorrect since I had coverage

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Velocity Portfolio Group
State: NY
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:
XXXX, XXXX XXXX XXXX, CKS PRIME INVESTMENTS LLC and XXXX XXXX XXXX XXXX has intentionally, knowingly and recklessly harmed me financially by repeatedly failing to properly and lawfully update my personal consumer report according to specific laws written by the Consumer Protection Financial Bureau. 
The law is clear and direct and should be understood by all parties involved in furnishing, publishing, and updating my personal consumer report. This is one of multiple disputes sent to XXXX, XXXX, XXXX, and several unethical and unlicensed data furnishing companies urging all parties to adhere to the law and adjust my personal report correctly. But due to a gross lack of due diligence on behalf of XXXX, XXXX, XXXX and their related subsidiary entities - unlicensed unethical, and misleading random data furnishes has had an unmetered free run at attacking and financially hurting me. 
I have received multiple responses from XXXX, XXXX and XXXX stating that they review and/or investigate. Solely and firmly leaning on the LAW, and based on my results anyone with a trained eye can tell that the three bureaus did absolutely nothing pertaining to investigation or reinvestigation on my behalf, and have failed me as a consumer. If the law is broken all willing participating parties should be held accountable for any fraudulent acts, not excluding Credit Slander and Defamation of Credit. Please refer to Congressional law 15 USC 6802 ( a ) ( b ) ( c ) ( d )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.

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 2021-10-13
Company: Spring Oaks Capital, LLC
State: IL
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 AM ( XXXX XXXX ) AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX : ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Spring Oaks Capital , LLC 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home suffered roof damage during a storm in the amount of $ XXXX in XXXX. The insurance company made the check payable to the mortgage company and me in XXXX. The mortgage company policy states that checks over $ XXXX have to be issued to the contractor directly in 25 % increments. The mortgage company wants to hold the check even though it is under the $ XXXX allowance because my mortgage was delinquent one month in XXXX stating they don't want me to run off with the money. They are trying to force me to follow the process for checks over $ 20K wherein its distributed to the contractor in small increments. The biggest dilemma is that NO CONTRACTOR will begin roof work with a $ XXXX down payment ( 25 % ). The mortgage company is telling me that I have to pay the difference up front ( which is anywhere from $ 3k - $ 6K more in down payment to the contractor ) and they will reimburse me once the work is complete. HOW IS THIS FAIR OR LEGAL even though my insurance company has already issued the full payment to them for the repairs, they can not show me this policy in writing anywhere, their representative told me that they do not have this policy in writing anywhere and I am current on my loan now in XXXX? Thus, my roof is still leaking and now mold is beginning to form in my home causing health risks to my family. I've only been delinquent ONCE in three years! I love my home but it is being destroyed every day that it sits like this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/ sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation