BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
Company: Block, Inc.
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Received an unsolicited debit card in the mail from Cash App. Reference on the debit card was to cash.app/help and indicated the card was issued by XXXX XXXX  XXXX I do not currently hold nor have I ever requested to establish an account with Cash App or XXXX XXXX. I believe that there is potential fraudulent activity being conducted in my name. 

When seeking to contact XXXXXXXX XXXX the Bank website indicated that they were unable to assist and that all inquiries should be directed to Cash App, a division of Square. I called the number listed on the XXXX XXXX website ( XXXX ). The Customer Support representative that answered the call requested my e-mail so that I could submit photos of the card. I informed him that I felt that sending photos of the card was unnecessary and that I believed that my report and concern could be addressed via the phone. I offered to give him the debit card number at which point he indicated the only way to handle my report was to submit photos via e-mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I let the company know that Im the registered owner of the securities and that a charge off is a Certificate of indebtness/ and is income. Income can not be reported on the consumer report and needs to be removed.

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 2023-03-12
Company: Experian Information Solutions Inc.
State: IL
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 to the Fair Credit Reporting Act, XXXX  account number XXXX XXXX XXXX, has violated my rights.

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, 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 2023-06-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The XXXX XXXX Bank makes changes to the mortgage account and doesn't not allow to user to determine/know the changes unless you call the company. I was notified after the mortgage due date of a change in payment via letter, which was processed prior to the the payment due date. As a result, the amount I paid timely for my loan was marked an " unapplied payment '' and I received a letter later in the month notifying of the escrow change. The unapplied payment of the mortgage amount from the statement sat on my account with no action and I was deemed late for a {$11.00} escrow change, that I was notified of AFTER the due date. This is being penalized for timely payments. Additionally, when I called the XXXX bank to inquire about that change in amount, I was told to call the insurance company because the agent didn't know where the payment change came from. My insurance went up {$4.00} a year and that caused a {$12.00} a MONTH change in escrow. Thats doesn't add up. I called a 2nd time another day and a different associate helped with the needed information, but the escrow still doesn't add up for that chnange. Charges were applied because of a " late '' my XXXX payment but my bank shows no record of a reversal. No one can explain why it didnt process. I was not made aware of this by XXXX bank and until I logged into my account and had to all customer service for information. XXXX bank has no explanation on why this occurred. 

I am unable to make payments on my loan outside of the FULL monthly mortgage amount online. I have to call an often rude customer service agent to assist with that phone payment and then call again after it is processed to ensure to goes to the correct line item. I have never in the history of being a home owner experienced this level of disorganization, poor notice or lack of accountability. Notification of fees and changes to payments are severely delayed ( sent via letter ) but applied prior to sending the letter- to the point where the borrower does not have time to make changes. The statements are hard to follow and are not consistent. XXXX XXXX  's poor notification will cause issues. I have never had a late payment in 6 years until being serviced by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
It is my Natural Born Lawful Right under Federal Law of the Fair Credit Reporting Act, Pursuant to Title XXXX chapter XXXX. to Assign, Demand, and XXXX Any Communication with any individual Company or organization. Compliance and to Act in Good Faith. your Company Must Comply to Federal law. I recently Checked my Credit Profile, and I have found Evidence of Unauthorized accounts. On my credit Profile that is Currently being reported with out my express written Consent From your Company and the Parties that furnished Data to you. It is your companies duty to carry great responsibilities of furnishers information. Pursuant to Title 15 USC Code 1681s-2. it is the furnishers duty to provide accurate and true information on a consumers profile. pursuant to Title 15 USC Code 1681s-2 ( 1 ) ( A ). your company is in Full acknowledgement of errors, and continued to report so I enable identity theft. And damages of {$100000.00} a day Fine for personal information being stolen or used without my express written consent.

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 2023-06-06
Company: Experian Information Solutions Inc.
State: MI
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:
( XXXX XXXX ) This company is a debt collector that recently added a collection account to my credit profile which I have no knowledge of. I have never did business with this company nor gave them consent to share/obtain my social or personal information. I have a right to privacy This account is under litigation.

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 2021-08-15
Company: Experian Information Solutions Inc.
State: LA
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:
On XXXX, I filed a complaint # XXXX with the CFPB against Experian for failing to provide me with certified proof of several alleged accounts that are listed on my credit report. In Exhibit B you will find a copy of the CFPB Complaint. 

The alleged accounts in Exhibit D are false, inaccurate, and carry no documented evidence of their existence. To the least, they have not been authenticated as per my requirements and the per the requirements of the FCRA. Experian is damaging my character, creditworthiness, and wellbeing by falsely reporting those non-compliant unverifiable alleged accounts on my credit report. 

On XXXX, I received Experian Report # XXXX. I carefully reviewed this report. My review of this report showed that Experian had not included or attached any certified proof to justify their failure to delete these accounts. A copy of Experian Report # XXXX attached in Exhibit C. 

Experians disclosure is not clear and accurate as required under 1681 g ( a ) ( 1 ). 

Experian Report # XXXX did not provide me with any certified proof on how you verified the alleged accounts. I specifically asked Experian for certified proof that your office complied with the FCRA and all its mandated rules when it comes to reporting accurately. 

Experian has a duty under the FCRA to verify the information as 100 accurate. The FCRA also states that the consumer can demand that the credit bureau ( Experian ) provide certified proof that the information that they ( Experian ) publish or provide is in fact 100 timely and accurate. 

Experian can not simply say that the information was certified. Experian must also produce said certification when I consumer asks for it, which is their right under the FCRA. If Experian does not provide proof, then the reported information is considered to be false and must be DELETED. 

Experians failure to provide this proof is a violation of the FCRA. Your failure to do your lawful duty is documented in my CFPB complaint and in Experian Report # 1642-9257-70.

Experian must meet ALL of the requirements of the FCRA. Experians violation of the FCRA is eliminating my consumer protections established by Congress under the FCRA.

According to the FCRA, unverified information is false information because it can not be sworn to as fact and 100 accurate. Experian is reporting false information on my credit report because none of the alleged accounts have been verified with certified testimony from either Experian or the data furnisher. ( Copied from attached Affidavit ) *******

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 2023-03-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Date : XX/XX/23 Amount : $ XXXX $ XXXX {$690.00} Action taken : Sent in multiple disputes certified mail and certified return signed receipt and didn't receive a response via mail and the certified signed receipt was not signed and not returned. On the certified mail receipt tracker shows that they received it and did not respond via mail as requested within and past 30 days. I also sent a Fraud FTC Affidavit as well.

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 2021-09-18
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Company is Comenity.net/easypay I used credit through Wayfair ( not knowing it was Comenity at the time ). They swear they sent me statements, called and emailed but I never received these messages and only occasionally received statements in the mail. In XX/XX/2021 I called and paid off the bill, per their representative what I paid was the payoff. Since then they have been adding interest and late fees which I have paid several times, today being I hope the last. I believe they have milked me for over {$100.00} in late fees and interest on late fees. They refuse to remove the late fees. Today I called after receiving another bill yesterday for {$30.00}. The statement said the balance was {$30.00}. When I called complaining " XXXX, ext XXXX '' said I had residual interest each payment and they were charging the late fee and additional interest. I paid off, again, what she says is the balance which today was {$30.00} ( different than the statement ). So from this I presume that I am being charged $ XXXX/mth late fees on {$0.00} plus {$2.00} interest ( minimum interest ). This is unfair as I called in and paid off the balance in XXXX. I have been paying this each time thinking I am paying off the account and they keep adding more and more interest. I believe they owe me $ XXXXmonth for XXXX, XXXX, XXXX and XXXX with interest at same rate they charge ( {$2.00} monthly minimum charge ). Today, XXXX told me this is industry standard to keep charging clients this way. It is way out of line and I have never had a bank do this to me. I have hit some hard times, especially with COVID, but I pay my true bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: MI
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:
Fraudulent Hard Inquiries on my account. XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX XXXX XXXX, XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX, XXXX XXXX  inquired on XX/XX/XXXX, XXXX  XXXX XXXX on XX/XX/XXXX, XXXX  XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX There are also addresses and names that do not belong to me. 

XXXX XXXX XXXX ID # XXXX and XXXX XXXX Name ID # XXXX Addresses 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 XXXXXXXX are not addresses I have lived

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Fraudulent Hard Inquiries on my account. XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX XXXX XXXX, XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX, XXXX XXXX  inquired on XX/XX/XXXX, The XXXX XXXX on XX/XX/XXXX, XXXX  XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX There are also addresses and names that do not belong to me. 

XXXX XXXX XXXX ID # XXXX and XXXX XXXX Name ID # XXXX Addresses XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are not addresses I have lived

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 2022-12-22
Company: Monterey Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called and emailed me about my balance but I emailed them back telling them I dont have that kind of money. The company didnt make it clear to me. Im in the process of looking for a house so thats putting a dent in my credit. I dont get help from anyone and I have kids. I stopped paying because I read the reviews on the XXXX  and they are scams!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Rocket Mortgage, LLC
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I entered into a covid deferment for about 7 months, I was told before I entered into the deferment that options would be available to me including a payment plan, or a Modification where the missed payments would be paid at the end of my 15year mortgage term.to my horror and disquest after I satisfied 3 months of the trial period which was understood I was accosted with the rude and unwanted acknowledgement that I had to sign an loan Modification which changed my terms to a 30 year mortgage, and my apr was previously XXXX now being projected to XXXX and the amount from a few dollars less than what I am paying now, I do not wish to pay a 30 or mortgage, I want to keep my 15 year with the outstanding balance maybe included at the back of my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: CARCO Group, Inc.
State: MD
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:
BUSINESS DID NOT MAKE ME AWARE OF MY RIGHT TO OPT OUT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Was offered a zero percent ongoing rate for cash advances by paying 4 % up front by Bank of America. I used the option advance XXXX and paid the one time fee. Then this month I was charged interest on balances I had not carried for 30 days because of the cash advance dollars used. So now I am paying daily interest prior to the 30 days on any charges because the 0 % cash balances are showing as unpaid balances. So in addition to the XXXX 4 % fee I paid, I just had to pay XXXX  dollars in interim interest I would not have us to pay if I did not use the 0 % advance. I will now go in and pay off it in its entirety after having paid them XXXX so I do not have to keep paying them $ XXXX a month for interim interest. It is a very deceitful practice to present it as a promotion that benefits the customer.

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 monetary relief
Consumer complaint received 2022-03-19
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: Their investigation did not fix an error on your report

Complaint:
XXXX RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) BALANCE : {$410.00} STATUS : DEROGATORY ACCOUNT # XXXX Account # To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. 


XXXX  XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

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 2021-09-17
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I got a credit card with homedepot when i was buying a new freezer. They promised XXXX dollars off. The card only had a XXXX dollar limit and the freezer was XXXX. To get the XXXX dollars off i had to spend XXXX. I bought some more stuff but nothinh went through so we had to call customer service. Someone called and was goimg to fix the card but then they said the systems were all down. This is while i was at the store waiting. Everytime i called back they said the system was down huge waste 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 monetary relief