BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
BANK OF AMERICA IS A FRAUDULENT ACCOUNT REPORTING ON MY XXXX CREDIT REPORT. THIS ACCOUNT WAS OPENED FRAUDULENTLY, THE CHARGES AND THE ACCOUNT ARE FRAUDULENT. SOMEONE STOLE MY PERSONAL INFORMATION AND OPENED THIS FRAUDULENT ACCOUNT. I AM VICTIM OF AN IDENTITY THEFT.

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 2020-04-14
Company: Experian Information Solutions 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:
I have THREE problems. 
( 1 ) I checked my credit again today, and a nonsense address CONTINUES to be listed. I contacted both EXPERIAN and XXXX XXXX XXXX and the incorrect address continues to be shown. That address is XXXX XXXX XXXX, XXXX, CA XXXX. That address doesn't exist. I've called and confirmed they are going to remove this and they don't do anything. They tell me they'll do it, and NOTHING. 
( 2 ) My credit card with XXXX through XXXX doesn't appear at all. I've had this card a long time. I don't understand why it doesn't show up on my credit report. 
( 3 ) They have an incorrect social security number last four of XXXX listed. That's not my SSN. 

I don't know how the banking industry can exist with these absolute fools and incompetents doing credit reports. Credit reports are important. Inaccurate, missing, and just plain XXXX XXXX does not help the banking industry. I want this stuff fixed and there's no way to speak to anyone at Experian or XXXX XXXX XXXX in any reasonable amount of time ( hours on hold ) AND you can't do it via email or mail - there's no addresses provided. These people make big money with this XXXX and there is NO SERVICE to help get corrections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: SLM CORPORATION
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have a student loan though Sallie Mae Every month the day my payment is due I start receiving multiple calls a day until it registers in their system that I made my payment. So if I pay my payment on XXXX, but it doesn't register till XXXX I'll still receive multiple calls a day until XXXX. Sometimes as many as XXXX calls a day regardless of if we answer the phone or not and regardless of what I say to them. 

Today for example I received a call from them at XXXX and spoke to them at length to explain I would make my payment when my check got deposited, they persisted I told them I would pay it as soon as I got paid. They called again at XXXX, XXXX, XXXX, and XXXX I did not answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: EQUIFAX, 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 Account 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: TX
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'm requesting the accounts below get verified properly or deleted immediately, because the original balances amounts, date opened, status dates, original creditor name balance update dates and creditor contact information are not matching across all XXXX credit bureaus. I sent multiple letters over the course of 1 year requesting that the accounts below or verified. My Last letter was sent off on XX/XX/2022. I asked the credit bureaus to investigate every piece of information, on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number XXXX, XXXX and XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. According to the FRCA the term investigated consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning such items of information FRCA 15 USC 1681 everything has to be 100 % accurate. In accordance with the Fair Credit Reporting Act, 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 rights 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 2023-01-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX alert from Experian that my XXXX XXXX had dropped by XXXX XXXX due to a delinquent payment for a XXXX XXXXXXXX XXXX account XXXX a challenge with Experian regarding delinquent payment and included information that clearly showed the balance XXXX {$0.00} and in good standing ; then called Credit XXXX and they confirmed and claimed they had NOT reported my payment as delinquent. Representative stated I would receive documentation stating this ( nothing sent ) XXXX-Called Experian and they simply stated they did not have to do anything and it was my responsibility to contact the company and figure it out. I called XXXX XXXX and after several attempts finally found a supervisor that found the error. The company had reported on a OLD and CLOSED account. I requested, again, for something in writing for my records and so I could file another challenge with proper documentation from XXXX XXXX. Again, nothing received and when I called again on XX/XX/XXXX to confirm that the letter was going to be sent I was told by that representative that they did not do things like that and could not do so. I stated they could and legally had to do so. Again, nothing has been sent. My credit score remains impacted and the delinquent payment is still on my report and on XX/XX/XXXX I received notification FROM XXXX XXXX  showing my score had dropped on their report by XXXX ptsdespite my account being at {$0.00} and no payments due.

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 2022-04-19
Company: Experian Information Solutions 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 Account 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 explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, 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 Account XXXX  XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 302 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Block, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I made a purchase for bitcoin and the withdraw has not reflected on my account. I called many times spoke to many people with no resolution. I am bothered that they are not answering me by online support nor by telephone. Cash app keeps blocking every transactions I make and it's becoming an issue. Now they are completly ignoring my concern by not answering me. Please help me resolve this issue. There was a transaction for the amount of XXXX $ and another for XXXX XXXX Cash app is not professional with handling concerns. This transaction was made on Sunday XX/XX/2023 today is Tuesday XX/XX/XXXX and still no resolution.. It should had not taken this long especially when it says the transaction has been successful, but its not reflecting on my Bitcoin. Please help me get my money that cash app is holding or blocking my transaction. I honestly feel unconfortable this is a form of harrasment and abuse of power. I don't appreciate this kind of business with cashapp. This is complain is for both sender and recipient for these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called XXXX XXXX XXXX on XX/XX/XXXX about a collections from Enhanced Recovery Company. XXXX put out a fraud alert on my credit profile. I called ( ERC ) and they said the dont have an account for me in collections. The account was opened on XX/XX/XXXX XXXX  XXXX. I dont live in the city or state now or during the time of account opening. I then called XXXX XXXX the company issuing the collection. They also dont have an account with my name or anything issued by me. So no one has any account with my name in collection or accounts and its burdening my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
State: NY
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2023-08-29
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My name is XXXX XXXX, I open an American express high yield savings account because they have good interest rate so I transfered my funds from XXXX XXXX XXXX  to them. Then I was doing backyard remodel and wanted to pay landacaping company in cash as they gave me good discount to pay in cash. So I tried to withdrew money from American express but they had a max of XXXX daily and I needed XXXX so I initiated a transfer from American express to XXXXXXXX XXXX XXXX as XXXX XXXX XXXX have no daily limit, and I got surprised that American express froze my savings account and then when I called to ask why they told me that my account got closed, and that the " back office '' is handling my account now for security and fraud and that all my funds got frozen in savings account. Then I asked to speak to supervisor then they transfered me to someone who didn't want to give me any info on why my account got closed, I asked ok close the account but what about my funds? He said have XXXX XXXX XXXX recall it, I said but the money at Amex, he said XXXX  can recall it. So I called XXXX and they said they can't recall it and that Amex should transfer money to them. I called Amex again and every time they make me feel I'm doing illegal activity with their tone of voice, for what reason? What did I do? I just withdrew money from my account for home remodel project. Whats fraud in that? I can't access my funds in savings and no one able to help me. Please help me get access to my savings account. I just need my money, they can transfer to my checking account or send me a check or send it to XXXX, or anyone from their side can call me to explain why they froze the account for what reason : ( ( ( ( ( (

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: MidAmerica Mortgage Inc
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My mortgage was purchased from XXXX XXXX XXXX by Mid America Mortgage XXXX. XXXX XXXX XXXX, TX XXXX on XX/XX/XXXX. I have made numerous phone calls asking Mid America Mortgage why my mortgage with them is not reporting to the credit bureau. They have told me over and over again since the middle of XX/XX/XXXX that it will be next week. I spoke with XXXX, Manager ID # XXXX on XX/XX/XXXX and she stated they are running their test data and she is hopeful they will have the reporting in by XX/XX/XXXX with all data supporting payment history back to XX/XX/XXXX. She stated they are required to have this completed by XX/XX/XXXX or they will not be able to update the credit bureau and my credit rating. Since my mortgage is no longer on my credit report my credit score has dropped by over 100 points. I have damages associated with Mid America 's inability to perform their tasks as they should based upon the Fair Credit Act. I am very did-satisfied with Mid America Mortgage and expect them to report my credit history immediately and I in turn expect to be compensated for the damages I have incurred due to the reduction in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express offered me XXXX Membership rewards points if I activated " Pay over time '', their version of extended payment option. I did that on the same day, have the proof that I did so, but Amex is refusing to issue the points citing that " the offer was not triggered for your account due to which you have not received the XXXX Membership Rewards points for activating Pay Over Time. '' When I asked if they could issue the points manually, the response was " I am afraid as we will be unable to manually add the points to the account because this is an automatic process, and the points are issued by the system automatically provided that the terms are met. '' Since I did what the email said I feel I'm absolutely entitled to the points and not responsible for Amex system issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
See the attached documents, I have letter for you to honor my request I also included FTC report and my id 's.

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 2023-04-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is my second complaint on this company on the same issue. 

I have called this loan servicer, Select Portfolio Servicing Inc to apply {$330.00} that I pay monthly towards principal. I asked that they leave a note in my account so that their accounts receivable department will see it and act accordingly. They refused and continue to give the same excuse that my payment was through bill pay. I complained to CFPB. They went back and adjusted my payment instead of leaving it in unapplied account that doesn't yield any interest that time. 

I just received my statement and again, it's showing {$990.00} in unapplied account. Non interest yielding unapplied account ( That's three months worth of {$330.00} ). Even though I pay them 4.87500 % interest. I called again and asked why can't they follow simple instruction. They gave me the same excuse. I had a loan that I paid off with them in the past and they were able to do what I've been asking them in one phone call with that loan. Why it's so difficult for them to do now is beyond me and continue to cost me money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is a Loan on my credit report that I did not sign up for for {$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 2023-01-03
Company: SYNCHRONY FINANCIAL
State: GA
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 Synchrony Financial account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for an purpose.

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