BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-28
Company: Experian Information Solutions 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:
I have been a victim of identity theft and I've continuously tried to resolve this issue with the CRA 's. I asked for them to complete a investigation of all the accounts in question and they responded claiming they have verified them all. It has been more than 90 days and they are still reporting Fraudulent and Inaccurate information. 

- DATE LAST ACTIVE is not CONSISTENT100 % ACCURATE through all XXXX bureaus - LAST REPORTED DATE is not CONSISTENT 100 % ACCURATE through all XXXX bureaus - ALL ACCOUNTS NOT REPORTING TO ALL XXXX BUREAUS - SUMMARY BALANCES are not CONSISTENT 100 % ACCURATE I filed a FTC Report they received via certified mail. I have sent numerous letters expressing the FCRA codes they are VIOLATING furnishing this information without my written consent. As well asking them via phone to remove the information. They have yet to provide me a method of verification that verifies the information which they can not fund because THIS IS FRAUD!! 

FCRA codes they are VIOLATING : - 15 U.S.C 1681 Section 602 A. : I have the right to privacy - 15 U.S.C 1681 Section 604 A. Consumer Reporting Agencies can not furnish a account - 15 U.S.C 1681i. If, after any reinvestigation under paragraph 1 of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency SHALL promptly delete that item of information!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it from 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 2023-01-28
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act. The list of accounts below has violated my rights to privacy and confidentiality under 15 USC 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 1682 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 make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than the records of convictions of crimes witch 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 the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: EQUIFAX, INC.
State: LA
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:
XXXX  # XXXX DOES NOT BELONG TO ME. REMOVE FROM MY CREDIT REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Attempted to get pink slip at DMV. I was told that they could not provide the pink slip because Wells Fargo still showed themselves as lien holder. They communicated that Wells Fargo had to release the lien by computer. This is the second time I have reached out to Wells Fargo with no success. I am trying to sell vehicle but am being held back by Wells Fargo bank

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 2023-07-04
Company: Credit Central Holdings, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was just checking my credit report and I see where a payment XXXX this account was late on XXXX 2019. I never made any late payments on this account. The information reported is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: NC
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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Im a XXXX XXXX  with a XXXX XXXX  living in Maryland. I made the serious mistake of opening a bank account with Citibank. After a series of errors and inefficiencies on their part, they have twice taken the liberty of seizing money from my own account, without alerting me beforehand. 

The first time it happened was after Id deposited a cheque from XXXX with a name they said didnt match my exact to the letter. They requested I come to the branch with my ID, which I did. They said thank you, that should suffice. Yet a few weeks after, they simply took all that money from my account. When I complained, they said Citibank security was finicky and that Id need to ask the XXXX institution to send me the cheques again, this time made out to the exact name on my passport. I complied, deposited the new cheques, and forgot all about it. 

But now they just took over {$500.00} from my account without telling me why. Ive wasted hours on the phone and in the branch without getting anywhere. 

Will you help?

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 2023-08-07
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I file this complain against American Express : ( 1 ) The highest interest rate ( 29.99/ % ) ( 2 ) The highest fee charge ( {$39.00} ) ( 3 ) Bad business practice behavior ( email, online payment, chat, issue handle, etc. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Refinance with Flagstar Bank local loan officer XXXX XXXX, XXXX. 
In XX/XX/XXXX, I submitted paperwork for biweekly mortgage payments with Flagstar and was approved. 
I called to check that biweekly indeed was starting and told 'all was well, ' Flagstar continued to take out both monthly full payments and biweekly payments thru XX/XX/XXXX. In XXXX they ceased biweekly, deducted monthly and never contacted me. In XXXX I noticed something amiss and when I asked they simply resubmitted biweekly payment requests. After unraveling the mistake I asked that the extra payments be applied towards principle in the months corresponding such as XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Although they did eventually apply money to principle I have no actual accounting proof of how it was applied. I only see 'reversed ' on the online bank statements. I have reached out multiple times to my local loan officer and have had one missed call in late XXXX from Flagstar ( before reversal. ) I have no private correspondence within the secure online account and no one will give me the name of a higher level supervisor within the accounting department. 
I simply want the interest deduction that would have been due to me had those extra payments been applied to principle when they were deducted in the early months of the year 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 2023-07-05
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Unexpected or other fees

Complaint:
Date : XX/XX/2023 Amount : {$610.00} Company : PayPal XXXX : Made an unauthorized charge on my bank account and made me pay at an unfavorable exchange rate. 

I have attached a letter describing my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-04
Company: AMERINATIONAL COMMUNITY SERVICES, 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:
I am a pursuant of 15 U.S Code 1681 S-2 - Responsibility of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such " person '' by consumer. The person may not furnish the information to any consumer reporting agency without notice that such information is or was disputed by the consumer. 

With that being said this has caused me deep stress and XXXX because I have not been able to get approved for any lines of credit or any mortgages because of this unfair and misleading item on my credit report. This corporation has violated this law and Under 15 US Code 1681 S-2 and I would like this account allege late payments to be removed off of my credit report Immediately or I will seek monetary damages in my city and state under 15 USC 1681n civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Thaxton Investment Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2023 I contacted this company again regarding them reporting inaccurate information on my credit report and I was told that someone would call me back. I have attempted to make several calls to this company but no one has been able to provide me with the information but has threatened no to remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: WI
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXX Bankruptcy Case Number : XXXX Delete this account. 2. The inquiry was not authorized XXXX, XXXX Date of inquiry : XX/XX/2021 As A Consumer By Law This Inquiry Must Be Removed Immediately. 3. The following status is Incorrect and unverifiable XXXX XXXX Account Number : XXXX Delete this account. 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 As A Consumer By Law This Inquiry Must Be Removed Immediately. 5. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Delete this account. 6. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX, IL XXXX 8. there is some inaccurate information reporting. Account Number : XXXX Please remove it from my credit report. 9. The account status is unverified and incomplete Account Number : XXXX Please remove it from my credit report. 10. The following personal information is incorrect Account Number : NAME : 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 2022-09-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called the 3 credit Bureaus after I purchased a credit report in XXXX  After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report that misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX / XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX  XXXX Balance : {$24000.00} XXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$420.00} XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$58.00} XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-06-15
Company: Block, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
For the last XXXX months, despite several efforts and trying to communicate with CashApp, I have had CashApp customers calling me regarding fraudulent charges to their Cash cards. 

My online store is called XXXX. The fake merchant is using a similar name, " XXXX XXXX XXXX XXXX  '' to create fraudulent charges, so because my physical address is XXXX, XXXX, when people XXXX " XXXX XXXX XXXX XXXX  '' they are coming across my business, contacting me, and requesting their money to be reimbursed. 

CashApp obviously has a security breach because one customer canceled his card, received a new one, and the infamous " XXXX XXXX XXXX XXXX  '' struck yet again. CashApp is not protecting their customers ' privacy, and there has been absolutely no resolve because CashApp continues to allow this fake merchant to process payments. Surely there is a merchant account connected to this fake merchant, so the fake merchant should have been tracked by now. 

I am asking for your assistance with this matter because, as a small ecommerce business owner, this is taking time away from my full time job as well as taking concentration away from my online store and smearing my business name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I am writing to file a complaint against Bank of America regarding my XXXX debit card account and my claim for fraudulent charges totaling approximately {$4000.00} due to becoming a victim of identity theft. Please reference my previous complaint # XXXX. 

I provided Bank of America with all the necessary information, including a police report detailing the fraudulent activity. However, after almost a month and without receiving any provisional credit, Bank of America denied my fraud claim without even looking at the police report. 

It is important to note that my claim was due to identity theft, and that on XX/XX/2023, I faxed Bank of America the police report. I was not aware that it had not been received until yesterday, XX/XX/2023, the day before my claim was denied. As soon as I found this out, I faxed it again and included my confirmation that said it was delivered on XX/XX/2023. 

Additionally, I would like to bring to your attention that I did not receive provisional credit, nor did I receive a written notice as per Regulation XXXX, which requires banks to provide customers with a notice of the results of their investigation within 10 business days. 

I find it unacceptable that Bank of America has failed to comply with the requirements of Regulation XXXX, and that I have not received the protection I am entitled to as a consumer. 

I am requesting that the CFPB investigate this matter and ensure that Bank of America complies with its obligations under Regulation XXXX and other applicable laws and regulations. 

Having my identity stolen has left me and my children homeless and counting on the return of these funds. Only a handful of the many Bank of America employees showed any compassion or empathy for my situation and I find that disheartening. Many thanks to those few employees who did try to help me and give me some hope. 

I requested that Bank of amercia reconsiser my claim. I would like a prompt resolution to this matter and my funds returned to me before i am forced to file a complaint in court. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: SUNCOAST CREDIT UNION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: GSF MORTGAGE CORP
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a VA Loan with XXXX XXXX. I was told by a support agent at XXXX XXXX that a XXXX ratio of 80 % or less was required for a waiver of the Escrow requirement. On XXXX I submitted a signed, written request to their Research Department to waive the Escrow requirement. I received a letter in XXXX indicating that an analysis was completed and my XXXX ratio was 172 %. The industry standard for calculating the XXXX ratio is based on the Loan Balance/Home value. Per their website and my calculations the correct XXXX ratio is XXXX = 39.74 % which is well below the XXXX XXXX threshold for an Escrow waiver. I contacted XXXX XXXX online and over the phone numerous times between early XXXX until now in late XXXX to resolve this issue to no avail. I have requested to speak with the Escrow research department and to speak to Supervisors and was rebuffed. I was told supervisors would contact me by phone and this never occurred. On my last attempt which occurred on XXXX, I asked the support agent to tell me how the XXXX ratio was calculated and was given conflicting information. I was told it was based on the Loan balance and Home value and then I was told it was based on Original Loan amount and Loan balance. I was then told I could not be provided how the XXXX ratio was calculated. I was also told that the VA requires an Escrow account. I verified that this is not correct with the VA Department. I have been left with no other recourse than to request assistance in this matter by the State of New Jersey Department of Banking & Insurance. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation