BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
*THIS IS NOT A DUPLICATE RESPONSE* XXXX Bank believes that their company policies and procedures supersedes federal laws. After making XXXX Bank aware of the numerous federal laws that they are breaking under the FCRA, XXXX XXXX XXXX XXXX, XXXX and commiting Aggravated Identity Theft, they confirmed that they will continue to break federal laws to cause me hardship to defame my character as a consumer operating in commerce. They are disregarding my right to privacy for the best interest for them to extort me on extension of credit. Im making the XXXX XXXX XXXX XXXX ( FDIC ) and the Federal Trade Commission ( FTC ) aware of their unfair deceptive practices also! *see attachments*

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 2016-12-28
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This item was previously disputed and found to be inaccurate. This was subsequently deleted. I spoke to XXXX XXXX services and they confirmed I have a XXXX balance and this debt does not belong to me. Today I learned that this has been reinserted into my credit profile. I request that this be permanently deleted and provisions in place to prevent re-issuance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX and the other XXXX credit bureaus show a XXXX student loan on my report that has been transferred to XXXX from Dept of EDXXXX XXXX However, the credit report still reports that the account is still under the Dept of EdXXXX XXXX. The account has been transferred to XXXX since XX/XX/2023 and should be paid in full. XXXX states that the information listed on the account is correct, which shows the balance of {$19000.00}. However, when I contacted XXXX, they said the account balance was XXXX. Additionally, XXXX, who is the new servicer, doesnt show up at all on any of the XXXX bureaus, and after contacting XXXX XXXX they stated that the last time they reported was on XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please see attached file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 2023-01-17
Company: Ark-La-Tex Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am a 100 % Total and Permanent XXXX veteran. As a result, I am exempt from paying taxes on my mortgage. The exemption shows up on the XXXX XXXX XXXX XXXX and I've provided the Mortgage Company with all of the tax exemption paperwork before my first payment was made. But the mortgage company, Benchmark Mortgage is still escrowing my account and adding tax payments. Each time I contact them to dispute and discuss the topic, I'm put on hold or the telephone disconnects. 
I've given up on trying to resolve this issue with them. 
To date, taxes are still being included in my mortgage payment. Filing this complaint was my only option as I am not getting any cooperation from the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Square Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2020 I tried to withdraw {$80.00} to buy my children groceries but my account with all my money was locked without notice. Cash app has no phone number or customer service representatives to speak to. After emailing them over 48 times they finally responded on XXXX XXXX : Hello, My name is XXXX with Cash Support.

At this moment, we still have not receive the requested documents. 

To begin our investigation, please provide documentation for each unemployment deposit received. This will speed up our investigation and assist with determining the next steps. 

Failure to provide the requested information will affect the outcome of your claim. 

Please submit the following : State documentation verifying the source of funds ( i.e. Notice Of Monetary Determination Letter ) Previous paycheck or direct deposit statement from the same employer Copy of government ID ( Drivers License, State ID card, Passport, or similar ID ) in the recipient 's name of the unemployment deposit Any other documentation to verify the source of funds Copy of your government ID ( Drivers License, State ID card, Passport, or similar ID ) THIS IS UNACCEPTABLE!!!!! I didnt feel comfortable sending in all my information to a random company that already hijacked my account but I sent in my info anyway. 

It is now XXXX XXXX and I still have not received a response, a cashiers check, nor is my account unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, 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:
The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX  XXXX Bankruptcy Case Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number XXXX XXXX ; XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Problem with personal statement of dispute

Complaint:
I am, the consumer pursuant to 15 USC 1692a ( 3 ), 12 CFR 1006.2 ( e ) and 16 CFR 433.1 ( b ) in fact, natural person, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX BANK OF AMERICA and XXXX XXXX XXXX XXXX Taken an adverse action , and violated 15 USC 1681m, 15 USC 1681a ( k ) and 15 USC 1691 by not disclosing the required information about the creditor and the original creditor under the Equal Credit Opportunity Act and the Fair Credit Reporting Act./// BANK OF AMERICA and XXXX XXXX XXXX XXXX did not clearly and conspicuously make any statement about the creditor and who is extending the credit, creating false, misleading statement and representation. 

BANK OF AMERICA and XXXX XXXX XXXX XXXX failed to provide a statement with notice of my consumer 's right as mandated under 15 USC 1691 ( d ) BANK OF AMERICA and XXXX XXXX XXXX XXXX are civilly and criminally liable under 15 USC 1611 for failure to disclose material facts relating to this adverse action.

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 2022-10-21
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My home loan was refinanced through Mr.Cooper. Your agency allowed Mr. Cooper and their representative to supply a false response. You closed my complaint without an investigation. I need for you to reopen the complaint and do a more in-depth look into the mishandling of my social security number by factual data personnel at Mr. Cooper, the deflation of appraisal representative ( l do have a witness of the individual being late, rushing through the process, l emailed Mr. Cooper personnel no remedy given ) of my home, the financial abuse to elderly clients ( l am a senior citizen ), and Mr. Cooper never supplied any remedy or response to my emails to personnel.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: OH
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:
Hi, I've been trying to perform a online dispute of my Experian Credit report for over 5 years, and I always get the same error technical error. I have already contacted all departments by phone, and letters have been sent, no matter what browser, device, time of day, I get the error saying that for security reasons I can not file disputes online. I believe that my right to have a correct credit report is being usurped from me, and it's is not legal. I have spoken with tech support numerous times, and the only thing they can do is recommend that I open my disputes over the phone or by letter. I need my account to be verified by a competent sector, I need a resolution to this problem. I'm attaching an image of the error, and my credit report for the location of my files. I've already helped my friends play online with Experian, and they don't get this error, only me. I would like to have a resolution that this error persists with me for over 5 years, and I need a technical solution. Docs attached.

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 2023-01-17
Company: WELLS FARGO & COMPANY
State: MD
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:
There was a settlement reached with Wells Fargo Card services on XX/XX/XXXX and XX/XX/XXXX. The balance is being reported incorrectly and does not reflect the settlement of XXXX  nor does it reflect the balance after payments have been made. 

On XX/XX/XXXX Wells Fargo reported to XXXX XXXX XXXX XXXX XXXX XXXX XXXX this incorrect information. This has adversely effect my credit score and reduced my score by XXXX XXXX. I am now unable to apply for a business loan that I was pre approves before the adverse reporting. Wells Fargo is incorrectly reporting a balance of {$5800.00}.

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 2022-10-21
Company: Unifin Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have uploaded all of the following documentation to show record of the original debt collector Unifin on behalf of XXXX XXXX XXXX XXXX offered as shown in the documentation a settlement in the amount of {$600.00}. I scheduled auto draft payments and held my promise to pay off {$75.00} a month. At this time the settlement has been paid in full. Ive recently received another letter for collection on the same debt for the remaining deficiency balance of {$400.00} from the original debt collector XXXX XXXX XXXX XXXX which looks as if the remaining balance was resold back to the original collector which doesnt make any sense why would you sell the debt and then buy it back?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Chime Financial Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I filed disputes because my Chime card was declining on merchants end but I was still get posted charges for the transactions. I had to pay for the transactions by other means. On XX/XX/2023, Chime closed my account said I violated policies set in the terms and conditions. I didn't violate any policy because per the policies in an event like this, we're supposed to dispute and provide documentation and that's exactly what I did. Now my account is closed and whenever I'm calling, I'm being placed on hold and told I can't get my money until 30 days from now. I'm a single mother and the money in the account was all I have until I get my taxes back in XXXX. I'm now left with no means to pay any of my bills for next month, my kids schooling or even providing food for them. No one is trying to help me. I just want the account reopened or my money by the end of this week, in no way will I wait until another month to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am reporting a violation of FDCPA by debt collectors- Pressler, Felt & Warshaw LLP who have filed a complaint against me in the XXXX XXXX XXXX NJ. I received a summons from XXXX XXXX - XXXX XXXX XXXX dated XX/XX/2022. The document stated that I was being sued for more than {$15000.00}. I had never been contacted by a debt collector regarding this alleged debt as is required in the Fair Debt Collection Practices Act ( FDCPA ). I was unable to have the debt validated by this firm. I do not believe that I owe any debt to this debt collector. I received a summons from the court as the initial notification of a debt of which I was unaware. Pressler , Felt & Warshaw , LLP were previously known as Pressler & Pressler have violated the Fair Debt Collection Practices Act in the past and have been fined {$1.00} million in civil penalty by the Consumer Financial Protection Bureau for their repeated ongoing deceptive and abusive practices in violation of the FDCPA. These debt collectors- Pressler, Felt and Warshaw, LLC never contacted me to notify me of the debt they are alleging I owe them. They never validated or verified the debt and instead filed a complaint summons in XXXX XXXX XXXX- against me. I am disputing the actions of this agency. I have no knowledge that this is a valid debt. I responded to the court with my ANSWER and these lawyers ( debt collectors ) filed a Motion to Strike my Answer. I have opposed their Motion to Strike my Answer and filed an amended ANSWER. Now they have filed a Motion for Summary Judgment. I have filed a Motion Opposing Summary Judgment and they have provided documents to the court which are UN-REDACTED and contain not only my Confidential Personal Information but more than 5 transactions which include Medical Information which violates HIPAA Act and I plan to files federal charges against them with HHS Department. Please investigate Pressler, Felt and Warshaw, LLP. 
My detailed information is contained in the court documents which I have attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have sent out numerous of letters asking them to verify and show proof of accuracy of the account that is on my report. The accounts and inquiries that are being reported is incorrect and inconsistent. 

Dispute started on XX/XX/XXXX for XXXX XXXX XXXX amount {$220.00}, XXXX {$0.00}, XXXX XXXX {$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 2023-01-17
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I closed my account because of the fees associated with WellsFargo. I will have to get them to pull all the charges that was billed to me. I had multiple accounts with them for over 30 years. Can I recommend that I get copies of my expenses during that period of time?

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 2022-10-21
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Venmo suddenly froze my account after I received a payment for what they called suspecious activity because the instant transfer feature wasn't working as it almost always is down, so I attempted to add different cards hoping one would allow me to transfer my money from venmo to my bank account and they flagged my account and froze it. I have since jumped through a million hoops providing everything they asked for and in turn have up. Well I randomly alsaw an email I missed from almost 2 months ago saying my previouly held funds could now be transfered out through a normal bank transfer but not through an instant wire because of the still in place account limitations. So I go on there to do so and it pops up saying my account has been permanently suspended now. They won't allow me to add a card or bank account to my account to transfer the money out nor can I send it to another user and they won't reply anymore. I have been trying to get this money since XXXX of this year I think maybe XXXX I will get an exact dade but going on 5 months now I have had my money stuck on there platform

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-23
Company: Experian Information Solutions Inc.
State: MA
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:
Please see attached a stipulation from the office of Attorney General, Commonwealth of Massachusetts. Several years ago I obtained what was to be classified later as a usurious vehicle loan from XXXX XXXX. This bank later merged with XXXX XXXX and hundreds of their charged off vehicle loans were disallowed by the Attorney General in 2017. Accordingly, as the XXXX charge off is still on all of my credit bureaus, they exist illegally. XXXX is in violation of their subscriber agreement with all credit bureaus, and the evidence is attached that there is no permissible purpose for the trade line to exist. The trade line must be removed permanently.

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 2022-10-21
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
they sent me a letter and a document from XXXX on a credit card order/ trial order call, which is fake it's dated XX/XX/XXXX look at top for date with no judge name or date on bottom. I didn't even open that account till XX/XX/XXXX and date of first delinquency was XX/XX/XXXX 2015

Company response to consumer: Closed with explanation