BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: MN
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:
The following accounts on my XXXX and Experian credit report was reported as lost/stolen : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My XXXX XXXX XXXX and XXXX XXXX XXXX credit card was reported as lost/stolen and the balance on my lost/stolen XXXX XXXX XXXX XXXX XXXX XXXX credit card account is all fraudulent and unauthorized charges/transactions. The debt collection account from XXXX XXXX XXXX XXXX {$360.00} is a fraudulent account and not my debt collection account. The following credit inquiries currently listed on my XXXX credit report is fraudulent credit inquiries and not my credit inquiries : 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 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 2022-10-10
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
To whom it may Concern, I opened the bank account late XXXX of XXXX  and I have been having various issues. Each time I contact customer service and the fraud Department I get misleading information and can't access the funds deposited to my account. It has caused and causing financial distress. I have had my rent check to bounce from XXXX  XXXX XXXX  because I can't transfer my funds from Citi bank to XXXX XXXX. The closes branch to my location is in XXXX, Fl and im currently residing. in XXXX, Fl which is more than four hours away. I have taken today XXXX  XX/XX/2022 off to try and get the issue resolved. I can't wait 30-60 days for my funds. Im requesting a full refund of my deposited funds to Citi bank and the mental distress it has caused me and the bounced check and my landlords late fee compensated. I am more than confident that im not the only consumer that has had issues with Citibank ( that has caused financial distress ). 
XXXX XXXX Checking account XXXX Cell : ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I'm looking to rent an apartment as of XX/XX/2023, and as part of the process they ran me through a Tenant Screening Report. On the report I had a large Total Outstanding balance, which I should not have had as a Resident Ledger I received from when I left the apartment complex states all balances were paid off. Not only that but all payment history present on the report were marked as paid on time, with a few delinquent payments that we paid a few days after rent was due. I should owe nothing to the complex, and even after calling they stated that my account was in the green with nothing owed. This error is a large issue as it is hindering my ability to get an apartment for my new work location.

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 2021-08-12
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Thanks to m & t bank my car insurance is now lapse in coverage and now i cant drive due to not paying the bill i will make sure this get brought up in court.I have been using XXXX with m & t bank for friends and family that pay me back because i like to go out and eat a lot and lend out money to family and friends, and they pay me back through XXXX because its easier for me. The problem is m & t bank has frozen my account for more than 1 month because of these XXXX transactions. M & t bank are saying the other partys of the XXXX transactions is trying to do a chargeback of the transaction saying its a unauthorized transaction when they authorized the transaction which is a lie.I cant get into contact with my friends that did this.M & t bank didnt call me email me or notify me that the other party reported the transactions so i had no clue until they took money from my account. In XXXX terms & conditions XXXX payments are non refundable with no proof M & t refunded XXXX XXXX transactions in different amounts totaling {$3900.00}, With no proof that what the other party is claiming which is unauthorized transaction is actual truthful. In the terms conditions of XXXX it states XXXX transactions are non refundable so Im not sure how m & t bank was able to do this. I filed a cfpb complaint and and they didnt answer my response basically ignored my response. This is m & t bank regional security manager that responded contact information XXXX have not been able to pay bills because of this frozen bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2020-12-29
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
US Bank And XXXX XXXX Including XXXX XXXX XXXX  They all Have Stole my Assets XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2020 TransUnion subtracted 48 points from my credit score because of a remark that was added by XXXX XXXX. That remark was immediately removed from my TransUnion credit report the same day by XXXX XXXX but TransUnion failed to restore and add the 48 points back to my score. 
XXXX did the very same thing on XX/XX/2020 for 24 points and failed to restore and add the 24 points back to my total score. I have submitted complaints to both credit reporting agencies in writing to no avail. It's hard enough making the effort to raise your score then to have the actual credit reporting agency remove points so that all the companies out there and the underhanded finance system can continue to exploit the majority of people with high interest car loans and little to no capital payoff amounts. And are they supposed to do any of this during Covid-19 pandemic. If I can I would like to sue them in a court of law.

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 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Under Law ( 15 usc 1681a2 ). All three-credit bureaus have been falsely reporting an account from XXXX XXXX XXXX that should not be on my credit report. I never done any business with this company ; nor did not give written permission to have this account furnished on my credit 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 2022-10-10
Company: Block, Inc.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
CashApp closed my original account without warning $ XXXX and cashed the funds out to an invalid debit card tied to a closed account because of a technical issue their app was experiencing that would not allow me to update my information prior to closing the account causing me to no longer have access to it. My XXXX XXXX  account was closed on XX/XX/2022 and CashApp sent my money to that closed account on XX/XX/2022. The amount of the cash out was {$110.00}. I have provided my bank with the transaction ID given to me by CashApp and they confirmed they do not have a record of this transaction or any other made to my bank account since XX/XX/2022 and had they sent it on the morning of XX/XX/2022, it would have been returned to the sending bank automatically per bank policy by eob on the same day. I have provided CashApp with a copy of my most recent and final bank statement from XXXX showing the account closed on XX/XX/2022 with a XXXX balance. I have done all of these things three times to many different chat support agents, phone support agents and XXXX supervisors to no avail. I have been disconnected in both chat and over the phone, and I have never once received an email or a phone call from anyone with CashApp concerning this issue, despite being told by all 3 supervisors and at least 20 different agents on both chat and calls that I would be contacted within 24 hours. Today is now XX/XX/2022 and I still do not have my money. My money. My husband of 35 years passed away on XX/XX/2022 and I lost my job as a result on XX/XX/2022 and currently have no way to support myself and I have this company stealing my {$110.00}. This is completely unacceptable and their support and service is absolutely abhorrent in nature. I expect to receive a call from an executive level escalation specialist or a manager in their payment processing team by EOB today or I will be contacting an attorney and we will not be filing a class action, but a civil/financial suit for theft by XXXX tomorrow. 

Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-11-20
Company: Factor Trust
State: NV
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 do not have any accounts with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? when was last activity of the acount? 
Why is it not reporting accurately across all bureaus? Statue of limitations? Not my account Please update and remove and suppress this innacurate account 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- summary XXXX XXXX XXXX Account Number XXXX Original Lender XXXX XXXX XXXX XXXX Agency Name XXXX XXXX XXXX  Date Assigned XXXX XXXX, 2017 Original Balance {$210.00} Current Balance {$330.00} Responsibility Individual Status Collection account Comments Placed for collection

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX. XXXX my loan was paid off in full with the Dovenmuehle Mortgage, inc.. 
To date have not received the {$3000.00} plus escrow account balance. 
I have made several attempts to have this paid, much recently XX/XX/XXXX and XX/XX/XXXX. 
On both of these dates, I was told that there was an error with processing. Today i asked for a specific date that I could expect my refund, but was told that it had to be escalated. 

Also, on received a letter dated XX/XX/XXXX stating that my original inquiry is under review. 

Loan number : XXXX Research Dept. number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, 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 am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. Inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a certified letter to Equifax dated XX/XX/18, that was received by them on XX/XX/18 challenging the accuracy, compliance and reportability of a entry listing a Bankruptcy on my credit report. I received a dispute investigation outcome dated XX/XX/218 from Equifax  stating that they confirmed the information provided to them by XXXX and will continue to report this information. I placed a security freeze on my XXXX consumer account which was effective on XX/XX/2018, in addition I contacted the Bankruptcy Court to confirm that they do not report any public records information to Credit Bureaus. XXXX is not allowed to release any information contained in my consumer report when placed under a freeze. Therefore, I request that the incorrect bankruptcy be deleted from my credit report because Equifax is not able to properly verify the information they are reporting as previously requested they do via the certified mailing. Thank you in advance for your assistance regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Experian Information Solutions Inc.
State: NJ
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  Account # XXXX XXXXXXXX XXXX XXXXXXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Comerica
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
MONEY WAS WIRED TO XXXX XXXX ON XX/XX/21 AT XXXX XXXX  FOR XXXX XXXX TO PERFORM A REHAB ON MY PROPERTY XXXX XXXX XXXX XXXX LOCATED IN XXXX, MICHIGAN BASED ON HIS SCOP OF WORK.I MADE 2 DIFFERENT WIRE. FOR WIRE TRANSACTION WAS FOR THE AMOUNT OF {$20000.00}. XXXX WAS SUPOSE TO ORDER MATERIAL WITH THE MONEY THAT WAS SEMT TO HIM. DUE TO THE BACK AND FORTH HE WAS NEEDED. MORE MONEY SO HE CAN PAY FOR LABORS AND OTHER ITEMS HE LIED ABOUT.. SO AT THAT TIME MONEY WAS WIRED TO HIM FOR THE SECOND TIME FOR THE AMOUNT OF {$65000.00}. AFTER A MONTH ME AND MY BUSINESS PARTNER XXXX TOOK A TRIP TO XXXX TO LOOK AT THE WORK THAT WAS PERFORMED ON THE XXXX XXXX XXXX XXXX. WHEN WE ARIVED THERE WE NOTICE THAT NO SKILLED WORK THAT WAS STATED FROM XXXX XXXX THAT WILL BE DONE WAS NOT DONE.. THE ONLY ONLY THING THAT WAS DONE WAS WAS REMOVING THE SMALL AMOUNTS OF DEBRIS FROM BUILDING WHICH I COULD HAVE DONE THIS MYSELF WITH MY BUSINESS PARTNER. WE WERE HIGHLY UPSET WITH THIS PERFORMANCE. WE HAVE BEEN EXTREMELY LIED TO. ABOUT EVERYTHING. I REQUESTED FOR XXXX TO SHOW ME RECEIPTS FOR ALL THE MATERIALS HE CLAIMED HE PURCHASED. FOR MY BUILDING AND HE COULD NOT PROVIDE THAT TO ME. ALSO XXXX SAID HE WAS LICENSE BUILDER AND WHEN I REQUEST FOR HIM TO PROVIDE ME HIS BUILDERS LICENSE HE SHOWED ME A FAKE BUILDERS LICENSE HE OR SOMEONE HE KNOWS MAY HAVE CREATED. NEXT THING HE DID ONCE I HAVE EXPOSED HIM ABOUT EVERYTHING HE HAS LIED ABOUT WAS STOP COMMUNICATING WITH ME AND MY BUSINESS PARTNER. HE STOP ANSWERING MY CALLS, TEXT MESSAGES AND EVERYTHING. XXXX XXXX WITH XXXX  XXXX  XXXX, XXXX HAS DEFRAUDED ME AND MY BUSINESS PARTNER XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX opened Creditor : XXXX XXXX XXXX XXXX XXXX : COMMONWEALTH FINANCE XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX These guys " XXXX XXXX XXXX '' are totally a scam. A ghost number that is no longer working and if you look up the address " XXXX XXXX XXXX, XXXXXXXX XXXX. '' is an empty lot. 

So, I'm calling Commonwealth the agency sending this to my credit reports on Monday or so. 

Please get these guys straight they seem to be taking, buying, and or other illegal fraudulent actions in obtaining my info from medical billing systems. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
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: Information belongs to someone else

Complaint:
This is XXXX XXXX, and I am submitting this complaint to you today to inform you I was a victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts and information which do not belong to me or were opened without my permission : XXXX  ( Original Creditor : ) XXXX Balance : {$39.00} Medical ( Original Creditor : ) XXXX Balance : {$23.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX IN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an the identity theft, not later than 4 business days after the date of receipt.

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 2022-12-17
Company: Experian Information Solutions Inc.
State: NC
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 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 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 2021-10-26
Company: California Accounts Service
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CA Account Service was removed from my XXXX credit file in XX/XX/XXXX. When checking my credit report on XX/XX/XXXX I noticed that CA Account Service was added back to my credit file. I have not received any notification from CA Account Service or from XXXX regarding the account, amount owed, date opened, any documentation that I owe an outstanding balance or that this account would be added back to my credit file.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation