BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, XXXX XXXX XXXX Account has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1668B : A creditor may not treat a payment on a consumer account under an open end consumer credit plan as late for any purpose. 

This creditor 's XXXX XXXX XXXX account XXXX XXXX XXXX  is not mines and I never had a account with this creditor. 

Kindly take this misleading creditor account item out of my credit file as it isn't me. Please And Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-02-16
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialised Loan Servicing ( SLS ) withdrew an extra XXXX $ from my bank account over XXXX and XXXX. see below. I asked them multiple times for this extra XXXX $ withdrawn either returned to me immediately or applied against my payment due on XX/XX/2022 of XXXX. They have refused multiple times to do so. 

Account Number Transaction Date Transaction Amount Transaction Type Transaction Description XXXX Friday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay XXXX Wednesday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay XXXX Wednesday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay XXXX Tuesday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay

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 2022-06-05
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is no information about this account and it appeared on my report, they have never tried to contact me and are in HIPPA violation. The new law states that it has to be 180 day late and I have no outstanding medical bills ever received. So I do not even know what this is about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
An unauthorized charge was posted to my account late XX/XX/2022 by XXXX XXXX XXXX. The hotel did not notify me of the charge ahead of time and when I called the hotel to contest it they assured me the charge would not post. I immediately contacted Bank of America ( BoA ) by messaging via their app to inform them. I contacted them every month between XXXX explaining the concern and received no communication. On XX/XX/XXXX, XXXX XXXX sent me an alert that my BoA credit card was closed. I contacted BoA shocked that after 15 years of on time payments and multiple communications that they would close the account without resolving the dispute. My XXXXredit score is now significantly impacted by the inability to act and resolve this fraudulent charge. Im including attachments to show proof of constant contact with BoA, proof that I paid the full booking and owe no additional taxes/fees, proof that food was paid for my husbands card.

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 2023-12-07
Company: PNC Bank N.A.
State: IL
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 last several years PNC Bank has charged me thousands of dollars for NSF funds. Recently I discovered year to date of approximately {$750.00} in fees for NSF. On or about XX/XX/XXXX PNC announced no longer charging customers fees when funds are deposited within 24 hours. 
On or about XXXX XXXX XXXX  I spoke w a representative regarding the fees- {$36.00} was refunded and was told, a supervisor would contact me-never received a call back -On or about XX/XX/XXXX reviewed my account was overdrawn by approximately {$17.00}. Deposited via XXXX at XXXX ( prior to deposit no fees were added ) leaving the account positive balance -On or about XX/XX/XXXX account was charged {$36.00} fee I called spoke w representative XXXX-was told computer was down, call back-spoke with XXXX again system down -On or about XXXX spoke with XXXX I was told my checking account was never enrolled in low balance virtual wallet refused to refund feesas per XXXX the system doesnt recognize any deposits after XXXX refused to return funds I have over {$750.00} worth of fees while PNC received BILLIONS of PPP loans from taxes as well as PNC committed fraud/deceptive practices by failing to stop NSF Fees but instead changed the wording to overdraft fees

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Conn's, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have an active account with this Conns XXXX XXXX company. The account is NOT more than 30-days past due. If my account goes one day delinquent the company calls my place of employment at least 15-20 times per day starting as early as XXXX to XXXX. I have asked verbally that they remove my work number from their files as I am unable to receive these types of calls at work. I would like for them to cease and desist all communication via phone because it is annoying. I would like to only communicate with them via mail correspondence. The phone calls are unrelenting from day to day causing disruption in my work performance and personal life. The calls are continuous in nature with intent to harass over a {$130.00} past due balance, They have also authorized payment out of my account that I did not authorize, after I manually removed the automatic payment method from my account. They have removed the option for me to update my banking information on file so that they can't use the information on file. Although, I have contacted my bank regarding the unauthorized Customer Service payment that I did not authorize last month. This month, they still attempted to use my personal banking information some how to process the payment on their own free-will when I did not authorize and removed the automatic payment method on my account so that they would not have access to my banking information. I do not want them harassing me at work or at home over a debt they say I owe that's not more than 0 days late in an attempt to force me to pay. I want them to cease and desist from calling me at work 20 times per day and at home. Communication going forward should be through the mail service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 sent a letter on XX/XX/2022 to XXXX. Here is the tracking number XXXX. However the credit bureau said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction. 

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation?

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 2023-07-10
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 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 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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 non-monetary relief
Consumer complaint received 2022-02-16
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Net Credit had a 2 ndloan installment that I owed them. In XX/XX/2020 I was on unemployment due to XXXX, suffered a XXXX XXXX in an auto accident and no longer able to keep up with my payments. I called them and told them as soon As I returned to work in XXXX I would clean up my past due. They agreed. In XXXX they offered me a settlement where I paid 60 percent I believe. They agreed to remove payment history. I paid the settlement as agreed in 3 payments. In XXXX I called and wrote that the payment history had not been removed. They sent me a refusal email back. I called repeatedly and finally they agreed to remove from 3 credit bureaus. 

The payment history was removed from XXXX, XXXX, but not XXXX. Also they left collect and derogatory comments in my XXXX. 

I have disputed repeatedly through XXXX and Net Credit. They sent me the same refusal letter again, stating nothing had ever been agreed upon, or removed from XXXX it XXXX. 

I sent them an email explaining that according to the Cares Act they were to remove all payment negative reporting history and comments. I was within the dates, had called, and fulfilled my agreement in good faith. No resoonse

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Block, Inc.
State: GA
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:
On XX/XX/2021, I ordered merchandise and paid for it using the VISA-Cash-App card -Transaction ID - # XXXX ) in the amount of {$5000.00}. The merchant promised to deliver the merchandise to me on XX/XX/2021, and the merchandise was NOT delivered. On XX/XX/2021, I requested a refund from CashApp user XX/XX/XXXX (XX/XX/XXXX Bank, Cash App ID : $ XXXX ) Transaction ID - # XXXX ). The refund request was unanswered. 
I contested this transaction with CashApp support team which also went unanswered. 
On XX/XX/2021, I sent a certified letter to Cash App Headquarters stating that the transaction need to be investigated for fraud and goods not delivered. My letter was signed for and delivered but I never received an answer. 
I then opened a police report, ( case # XXXX ) in the XXXX XXXX XXXX GA. An investigation was done and fraud was found. However CashApp refused to reverse the transaction. 
I am requesting that the error be corrected, that all finance and other charges related to the disputed amount be credited to my account, and that I receive an accurate statement. 
This is not too much to ask for and should be well within my rights. Please advise on how I can proceed. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXXXXXX XXXX XXXXXXXX Creditor : XXXX XXXX XXXX AZ Account # : XXXX Balance : XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance : XXXX XXXX accordance with the fair credit reporting act XXXX  this account 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.

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 2022-02-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.

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 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BBVA USA acquired Simple bank and absorbed its customers on XX/XX/2021. Effective XX/XX/XXXX at XXXX, Simple customers like myself no longer had access to their accounts and were told to setup accounts with BBVA XXXX Saturday, XXXX. 

Upon attempting to setup accounts, the process fails. BBVA 's customer service phone numbers were disconnected all day XXXX. After 12 hours of online complaints via XXXX, they issued a statement that they would open customer service for Simple Customers for special hours on Sunday XXXX, XXXX - XXXX XXXX XXXX. Currently as of this writing, either calls to that line XXXX are either disconnected, or when a representative answers they can not hear the callers. I have attempted to call from multiple devices. This is now approaching 48 hours of being fully locked out of my own bank account when BBVA had MONTHS to prepare for this transition. I can not review my transactions, statements, manage payments, or check my balance. I have no clue when this will be resolved. 

They have also engaged in a practice of hiding customer replies to their XXXX to obfuscate the situation further. Example - https : XXXX? XXXX Additional XXXX Documentation - https : XXXX? XXXX https : XXXX? XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: MO
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 XXXX XXXX submitting yet another CFPB complaint to request to the Credit Reporting Agencies to remove the disputed fraudulent items reporting on my Credit file. Again, I was a victim of identity theft and this is yet another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Reporting Agencies are required to remove any accounts not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Once again, please remove the following items completely from my Credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 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 The Credit Bureaus have also failed to send me copies of proof of verification from their investigation, if they really did conducted any investigation at all.

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 2022-02-16
Company: EQUIFAX, 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:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/XXXX, with follow ups disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: SYNCHRONY FINANCIAL
State: WI
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 a problem with JCPenneys Card Services. The problem with them is that from time to time they are pulling my credit report. I dont know why they are doing this. I havent applied for any credit cards with them so they dont really need to pull my report. Their inquiries are hurting my credit background and they are unnecessary. 

They need my permission to pull my report and they havent asked me for my consent to do so. 

I want someone to contact them about this and ask them to stop pulling my credit report. I would like them to leave my credit report alone.

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 2022-10-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have sent out all that was required of me by XXXX and Experian, but yet again they are stalling. If these Fraud Alerts are not deleted, I will also file a XXXX  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 non-monetary relief
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: SC
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:
Both XXXX / experian has not properly validated or removed XXXXXXXX XXXX XXXX from my credit report. I have not inquired about this account or owe anything about this account. Filed with the FTC and local police station.

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 2022-02-16
Company: Experian Information Solutions Inc.
State: RI
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 XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The EXperian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5900.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$420.00}

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