BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Sunday XX/XX/2022 at XXXX I went to deposit a large amount of cash to an ATM at the following address : XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. 

ATM XXXX XXXX : XXXX Time of transaction : XXXX XXXX  Total amount of deposit : {$980.00} cash ( XXXX {$100.00} 's, XXXX {$20.00} 's ) I subsequently filed a claim over the phone with a representative, who told me I would receive " a temporary credit while they investigage by tomorrow morning ''. However, Monday morning rolled around, and I haven't received any money from the transaction. 

I have spoken to numerous representatives all of which have been giving me the runaround, and I have lost confidence that I will see the money from Bank of America due to this error at the outdoor ATM outside of business hours on this Sunday at XX/XX/XXXX. 

I have included photograph evidence of the issue, and would appreciate anything you can do to help follow up and see to it I get access to the cash I deposited into this ATM. I appreciate anything you can do to help as this is causing an unreasonable level of financial hardship being out of these funds, as I needed this cash for bills and day to day funds to pay for things like food and supplies for daily life as well as keeping my car maintained so that I can get to work. 

Bank account number ending XXXX Debit card ending 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 2020-06-08
Company: Square Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I seen some unauthorized transaction on my cash app account, I XXXX cash app phone support and it generated the following number XXXX the people from that number got into my account by making me download XXXX XXXX XXXX, from there they took all my money and closed out my cash app account. 
I XXXX the same thing and they changed the number to XXXX My cash app had about XXXX in it, I called because I was missing {$300.00} They managed to add more cash, One transaction for {$500.00} another for XXXX then they used XXXX to send {$500.00} to a person named XXXX XXXX with the email address XXXX So I am now out {$4200.00} I made complaints to cash app, they have no customer service I had to go through XXXX, then they finally responded, I got a case number on XX/XX/XXXX and they tell me that it takes 45 days to complete An investigation, on XX/XX/XXXX I got an email stating my case was closed as they havent heard from me, then when you respond to the emails you get an automated response stating they dont monitor that email address anymore. 
Now they dont answer my messages on XXXX or report me as a robot, I just want my money back and I am also seeking a lawyer I also received a black cash card with my old account name $ mltier that account was stolen from me and I dont know what to do with it. 
Also the person who stole my account changed the name to $ mltic and was requesting money from all my friends I have attached all photos

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: FL
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 send a reinvestigation letter to Experian, XXXX, and XXXX pertaining XXXX XXXX XXXX account on my credit profile. I also complained to CFPB about the inaccuracy and damages that these credit reporting agencies have done to my credit report. The response I received from XXXX, XXXX, and Experian was that the inaccuracy on my credit report was verified. I was not given any information on how this inaccurate reporting is verified, and what was investigation methods used to verify the information. I am still left with my credit hurting with inaccurate information. Down below you will find the letters I have received from XXXX and XXXX. Experian did not respond to the investigation which is a violation of the company have 30 days to respond and they failed to do. Also, I included the next set of letters mailed out to the credit agencies below requesting some answers and accountability and deleting the account.

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 2021-08-09
Company: Gold Star Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for an installment/ signiture loan online through the companies official website on XX/XX/2021. Today ( XX/XX/2021 XXXX ) I had called the location in which the loan was applied through so I can check the status/ follow-up with eligibility determination. Was given the option for a call back to speak further on application. XXXX the call back came and I was asked personal information for verification purposes, then I was asked how I heard of their company to which I stated the name of the person that reffered me and then was asked if we were related. We are not related but she is my Girlfriend. Then I was told she owes payments on her account with them, XXXX an account I have no affiliation with ) and wouldn't be able to be offered services until she pays what she owes..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions 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:
XXXX - Return Order ( Order XXXX ) Label provided by XXXX  - Tracking # XXXX ) UPS XXXX - Equipment returned to XXXX via XXXX ' Postal using return label provided by XXXX  XXXX - Letter to XXXX disputing charge - {$290.00} XXXX - Letter to XXXX disputing charge - {$290.00} XXXX - Letter from XXXX requesting payment - {$290.00} XXXX - Letter to XXXX disputing charge - {$290.00} XXXX - Letter from XXXX XXXX  Final Notice. '' - {$290.00} XXXX - Letter to XXXX XXXX disputing charge - {$360.00} - {$360.00} XXXX - Accessed Experian Report # XXXX XXXX XXXX Received letter from XXXX  - claims to have " verified the information with the original creditor. '' - {$360.00} - {$360.00} XXXX - Email to XXXX  disputing charge - {$360.00} - {$360.00} XXXX - Received phone call from XXXX  - Asked them to call back in a couple of hours -- they agreed but never called. 
XXXX - Email to XXXX regarding their " response '' to Experian. 
XXXX - Opened dispute on Experian Tried tracking shipment -- XXXX could only track back 18 months. All they could tell me was that it had been delivered. Credit Score dropped almost XXXX points with this " collection. ''

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 2023-02-22
Company: Experian Information Solutions Inc.
State: CA
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 sent a letter out on XXXX XX/XX/2023 and on XX/XX/2023 to XXXX, XXXX and Experian. Here is my tracking number most recent track # XXXX XXXX track # XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. Everytime i call they tell me can't find my paperwork. This is not making any sense. 

According to the law 15 U.S.C. Code 1681 ( i ) - XXXX in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-04-08
Company: Security National Financial Corp
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was originated in XXXX of XXXX at SecurityNational Mortgage. Shortly after that my family had a hardship that qualified for forbearance. The only reason we entered into the forbearance with the servicer at that time was because we were told on multiple occasions that at the end of my program we would be given 3 different options for repayment. The one i had chosen was to have my past payments pushed to the end of my loan and begin making updated monthly payments that would include the increased escrow shortage amount. 3 days prior to the expiration of my program i was informed while calling in to set this up for reinstatement that my loan had been sold to another servicer ( back to SecurityNational Mortgage ) and they were completely unwilling to help me. I was BAIT AND SWITCHED and forced into a forbearance with options and then all of that was taken away from me and now foreclosure has been threatened. As you will see i have made multiple pleas and attempts to work this out with the company and even emailed the President and CEO and still can not get understanding for the BAIT AND SWITCH hardship they have caused me by their deceit and lies with the forbearance practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXXXXXX XXXX : {$0.00} ; 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX I applied for a home loan. My XXXX  and XXXX  score were XXXX prior to application. In XXXX they would only increase my score by 1 point in consecutively and not monthly. It shouldve been above XXXX. I have not missed or been late on any debts for 6 years prior. And, the agencies were recommending several credit cards, home mortgage companies and commending me for paying my bills on time for the past 48 months. The reporting agencies dropped my score from XXXX to XXXX. When I attempted to resolve the discrepancies with the agencies, I was literally laughed at and told I needed to pay for my scores. When I said I would not, the XXXX  agent said there was nothing else to be done and my scores remained bad. 
I have encountered age and race discrimination : age because Im XXXX ; race because of my skin race- XXXX XXXX XXXX I have suffered retaliation related to my race, and the XXXX XXXX XXXX XXXX. Surely there are laws against these acts against the consumer. Ive worked very hard to be a person of integrity, and having my FICO score drop 172 points because of my skin color is not acceptable. There are others The negative and old accounts are still present and they wont remove them. They thwarted my ability to purchase a home with low interest. There is a fourth agency along with Experian, XXXX  and XXXX  whose name I dont recall, who is reporting information thats more than 20 years old as well. My next step is to hire an attorney and sue the agencies which would annihilate my down payment on a home.

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 2023-06-20
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
In XX/XX/XXXX, I financed furniture through Synchrony bank ( bank chosen by furniture store ) with a 0 % interest loan expiring in XX/XX/XXXX. I set up recurring payments every month. I unfortunately ignored monthly statements from Synchrony as I presumed it was just useless data. I never received ANY emails or texts. My bank was apparently late on funding Synchrony several times and I unknowingly incurred late fees. After my final payment in XX/XX/XXXX, I kept on getting monthly statements, which I finally opened in XXXX. This showed {$300.00} in late fees and {$1100.00} in back interest to day 1 in XXXX. 

I called immediately, escalated to an account manager and she denied waiving any fees, even though I dutifully paid every month and my financed loan was {$0.00} by the time the promotion expired. Now I owe {$1400.00} from an original {$2900.00} purchase - which I PAID! Since I called about my account I have been getting emails and texts almost every day explaining my outstanding balance. Even after explaining I was not some deadbeat person not paying their bills, they refused to be human and do anything. Shame on me for not checking my mail. Shame on Synchrony for their behavior, unwillingness to be reasonable and treating me like a deadbeat.

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 2021-08-09
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX XXXX accessed my credit report without my permission or request. I reported this to Equifax as a dispute that date received notification today that the investigation was complete and I could view the results at Equifax dispute center. Was unable to open the report. Called Equifax dispute center and was told investigation was closed. Also, it was indicated that the inquiry would remain on my credit report for 2 years. This inquiry adversely affected my credit score and I asked Equifax to remove the unauthorized inquiry or to note that the inquiry was not authorized. Was told they can not do this unless I file a complaint with FTC or police. This is that complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX 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 an 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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

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 2022-12-24
Company: EQUIFAX, INC.
State: OH
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:
Im accordance with the Fair Credit Reporting Act. This of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : 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 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 man 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 2023-02-10
Company: CDS Debt Relief, LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Back on XX/XX/XXXX I received an email from XXXX XXXX XXXX. 
I followed the instructions and called the number. I was told that based on my credit score, I would have to enroll in their debt relief program through CDS Financial for 30 to 60 days for them to work on my credit score. They said they would get accounts dropped from my credit report so that I would qualify for the loan described on the document. They even said I would qualify for even more money. On XX/XX/XXXX I signed an agreement and agreed to pay {$270.00} a month. I called them after 30 days and again after 60 days. Each time they said they needed more time. 
So, I called in XXXX and XXXX notifying them that I had not heard from the about any progress being made on my credit report. In XXXX when I called they offered to defer my XXXX payment, which I excepted. But shortly after that I found out that one of my accounts listed with them ( XXXX XXXX  XXXX ) had been charged off, which lowered my credit score. I immediately called the and told them that wanted to cancel my agreement. I asked them for an email confirming the cancellation. I received that email on XX/XX/XXXX. ( Enclosed ) Since then I have called almost everyday asking about my refund. I get no answers as to when I will receive it. The last thing I was told was that there XXXX department has been down for over 30 days, which I don't believe. My refund should be {$1100.00} which is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-14
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
YES, I HAVE FILED DISPUTE OF FRAUD ACCOUNT XXXX XXXX  WHICH IS A FRAUDULENT ACCOUNT AND HAVE SUBMITTED ALL REQUIRED DOCUMENTS AND A PROOF OF COPY OF THE LETTER OF RESPONSE FROM XXXX XXXX CREDIT CARD AND EXPERIAN STILL REFUSES TO DO A PROPER INVESTIGATION WITH REMOVING ITEM OF MY CREDIT REPORT I WILL CONTINUE TO FIGHT FOR MY RIGHTS AND THIS IS A FRADULENT ACCOUNT REPORTING ON MY CREDIT FILE XXXX XXXX CREDIT CARD IS NOT MINES ITS A FRADULENT ACCOUNT.

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