BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-18
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: Was not notified of investigation status or results

Complaint:
hello I submitted my first initial dispute on XX/XX/XXXX with XXXX, Experian, XXXX with no responses or action taken by them the account continues to remain reporting in accurate on my credit report which is effecting my life horribly, the account is below XXXX-acct # XXXX they have been reporting my payment history inaccurate for over 2 years now and will not update, or delete this account i have attached the factual proof of there errors. for example XXXX has been reporting me paying ontime since XXXX of XXXX but experian is reporting CO on this account for payment history and this account has beenclosed since XXXX this is also a charge off and is still reporting a past due, and reporting payments every single month when this account is charged off. the last paymetn reporting was done by Experian CO on XXXX of XXXX this year. this is illegal practices on an account that has been closed since XXXX. 

XXXX XXXX - acct # XXXX this account is was paid and full back in XX/XX/XXXX XXXX is reporting derogatory account status when this account was paid if you look in there comments it says PAID settlement accepted. 

XXXX-ACCT # XXXX - this accoutn is reporting inaccurate balance as well, Experian and XXXX removed this account long ago but XXXX keeps reporting this inaccurate balance and has yet to verify this account with any proof.

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 2023-07-17
Company: CCS Financial Services, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was XXXX  in the Iowa XXXX  XXXX XXXX and the XXXX Judicial Department XXXX XXXX XXXX XXXX off and on and even during this alleged account being opened in XXXX XXXX XXXX, I have no knowledge of this account no correspondence from them in originality of the account ever being existed or created by me. I have had numerous attempts to dispute said debt of {$440.00} dollars with all three major Consumer Credit reporting agencies all three having different opened/closed information or any info at all with two of the three being XXXX as the only one reported still outstanding but other two agencies show that one the original account amount was originally {$300.00} but that's not what was reported to all credit servicing agencies, I've had fluctuations in Credit scores and XXXX scores . Have updated info in regards to address updates and requested info pertaining to account and nothing has been sent or anyone contact me. XXXX XXXX the original lender of credit that was honored was never given, signed or agree upon by me or my next of kin. The address given was inaccurate as the address on mailing address for said company is not a debt collectors building rather a children 's academy for educational purposes.NOTE : THAT THERE IS POTENTIALLY A IDENTITY THEFT INVESTIGATION UNDERWAY DUE TO THIS COMPANY AT FIRST NEVER Reported THAT THIS ACCT existed at least it was untiluntil after I went to go open a savings/checking acct and the bank did a " hard inquiry '' at this time no accounts wer even listed during search of a current then XXXX I owe until some days later. I have made numerous attempts to have them " show cause '' of the alleged allegation and to no prevail, this alleged collection of XXXX is burdening my loan requests history from financial entities of approval for even used car as well and having to charge phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-24
Company: Experian Information Solutions Inc.
State: GA
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 recently contacted Experian in regards to XXXX XXXX Account. I asked them to remove/delete from my report because they are reporting inaccurate information. The XXXX XXXX account starting with XXXX has been charged off and still being updated every month as late payments. Its also a closed account charge off with a balance still reporting. From my understanding, there shouldnt any balance once charged off! I assist that this account be removed immediately!

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 2023-10-11
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
The company cash app has been taking money off of my account that was registered under the email " XXXX and the phone number ( XXXX ) XXXX. 
On XX/XX/2023, my sister sent me {$75.00}, 12 minutes later Cash App deducted {$40.00} and the deducted {$27.00} then deducted {$7.00}. I then contacted cash app via chat support which is the only way this company has for customers to contact for support, I was told by one of the support persons via chat support that it was taken out for a charge from XXXX that was never settled, on the date of XX/XX/2023 ( {$7.00} ), XX/XX/2023 ( {$27.00} ), and on XX/XX/2023 ( {$40.00} ). 
On XX/XX/2023, my son 's father sent me {$150.00} to buy him items need. cash app also took the money. they took it in increments for what I was told unsettled transactions from XX/XX/2023 ( {$62.00} ), for XX/XX/2023 ( {$31.00} ) and for XX/XX/2023 ( {$53.00} ). I was told again these transactions was unsettled from XXXX once again via cash app support via chat. 
I then reached out to XXXX for my self regarding the transactions XXXX stated they did not have any unsettled transactions for me and that the date of my purchases those transactions went through on those days. 

I then contacted cash app again to let them know what XXXX said and then support said that they will send, a copy of my ledger or transactions via my email on file that I did not ever receive so on XX/XX/2023 I closed that account with cash app to prevent further stealing and scamming from this company. 
I then proceeded to look online on XXXX and saw several other ppl complaining about cash app taking their pay checks and fixed income checks from the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: BUSEY BANK
State: IL
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:
Thursday, XX/XX/XXXX I became a XXXX XXXX on XXXX XXXX and resigned with them on XX/XX/XXXX. I signed up believing the jewelry was lead and nickel free. They sold all of the pieces and accessories under false " fraudulent '' claims. I bought into the company under FALSE PRETENSES. I have attached pictures to this claim. The first one is from the website. The other pictures are from a lab where they tested several pieces of XXXX XXXX. This lab has never heard of this company and has been in business since XXXX. 
XXXX XXXX XXXXXXXX joined this conversation XXXX XXXX XXXX, IL Customer Care Advisor Hello! Thank you for reaching out. My name is XXXX and I'll be happy to help you! 
XXXX, I apologize for the inconvenience you have experienced with XXXX XXXX. Please let us know if there is anything we can do. 
XXXX XXXX XXXX I was wanting to know what steps I need to take. I have documents to back my claim up on these charges. From them changing the website and the lab results showing there is lead and nickel in the jewelry. I have contacted the company on their XXXX  program. This is their response consultants whose account has already been canceled, do not qualify to initiate a Buyback. 
XXXXXXXX XXXX Saturday, XX/XX/XXXX XXXX, if they are charges to your debit card, we can complete a merchant dispute. I do want to let you know our merchant disputes can take up to 120 days. With the merchant dispute there is a form that needs to be completed as well. ( edited ) XXXX XXXX XXXX  Sunday, XX/XX/XXXX Yes, these were all done with my debit card. I will gladly fill out the merchant dispute. 
XXXX XXXX Monday, XX/XX/XXXX I reviewed your account and see the transactions go back to XX/XX/XXXX, we wouldn't be able to dispute all of the transactions. When I spoke to our cards team they said we can dispute the last 90 days however. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX 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 Re : Last XXXX digits of XXXX XXXX To Whom It May Concern, I am writing to address a matter of utmost concern regarding my recent credit report. Upon reviewing my report, I discovered unauthorized credit inquiries made by the following entities. 

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 explanation
Consumer complaint received 2023-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
To whom it may concern, I have been trying to complete a Qualified Assumption with Bank of America for the last two months. The security interest in the house is mine as outlined in the Property Settlement Agreement. The deed has been updated with the county registrar. I've been making the mortgage payments since the divorce ( XX/XX/2023 ). I've proven sufficient income and have a high credit score. Bank of America has asked for an unreasonable amount of documentation and explanation for transactions on my accounts. Bank statements, Letters of Explanation, Retirement account statements, multiple transactions ( loan payoff/pay down ). Seems that no amount of documentation satisfies their demands. It is becoming increasing clear they do not wish to process the Qualified Assumption. I have to believe this is related to the interest rate of 3.5 % on the mortgage. I can provide dates and complete descriptions of the documentation provided. They literally have copies of every financial transaction as well as letters of explanation for everything that's transacted for the past XXXX 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 non-monetary relief
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: FL
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:
XXXX accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 section 604 A section2 : It also states that a consumer reporting agency can not furnish 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 iteams of information Any other adverse item of information, other then records of convictions of crime which antedates the report by more then seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shaqll not furnish any information relating to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate. 15 U.S.C 1681i-5- reinvestigate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, 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:
I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Bank of America decided to close out business account but they never sent us the remaining balance. I have been calling them for weeks and they are refusing to give us a reason why they dont want to close the account and mail our check.

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 2023-07-17
Company: Bright Capital Inc
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Bright Capital Inc, XXXX, is a Mobile Banking App that offers credit services like small loans for credit repair. The only way to access their service is by downloading their app. 
For the last 60+ days, their App has refused to launch on my device. Im using iOS and have uninstalled and reinstalled the app numerous times on my device and it doesnt open. Ive been getting spam emails constantly from them about late payments however they dont have any issues with charging my bank account a {$9.00} monthly fee. They used to have a phone number posted on their website, and that number didnt work. Ive also attempted to email them, and they refuse to respond. 


E-MAIL XXXX XXXX Bright Capital Inc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-10-12
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit 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:
I had purchased some airplane tickets with my American Express " Bread cashback '' card. 

Orignal transaction amount was {$500.00} My flight was cancelled/delayed and the airline XXXX XXXXXXXX informed me I would receive a partial refund. I even have documentation of this refund but I never received anything.

Company response to consumer: Closed with monetary relief