BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have had a horrible experience with this Bureau. Equifax on XX/XX/XXXX deleted my whole credit file with XXXX new collection accounts that were old and had been previously deleted but When i called them and asked if they saw the new collections they stated there were none which there werent. On XX/XX/XXXX They updated the report with the old collections and my score dropped significantly from XXXX to a XXXX. I am trying to close on my home ( I cant stress this enough! ) In a nut shell I called XXXX of the Creditors ( XXXX ) they stated that they had deleted this from my file back in XX/XX/XXXX and had not reported this since then. Equifax has received a response from this credit regarding my dispute and still the accounts are showing on my report and not updated as deleted. They take forever to respond and send correct information as they should. This should be a law suit at this point. I should not have to fight to have my credit file updated correctly! Then as of XX/XX/XXXX my report was updated again like i had all brand new trade-lines and everything came back. Mind you i called and spent over 2 hours on the phone on XX/XX/XXXX asking why this happend and could not get a reason as to why.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: Paypal Holdings, Inc
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
The company Venmo claims that I have done something to cause them to close my account they have frozen my money almost {$400.00} nobody will give me a reason why nobody will help me find out how to get the money Ive done absolutely nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SLS is blatantly and repeatedly lying to prevent any communication to attempt to rectify the multiple errors it has created in assuming the administration of my mortgage. 

In attempting to fix the wrong information regarding the covid forbearance I was told a letter was sent regarding it. The letter had nothing to do with the forbearance. When I called to try to find out why SLS lied about this, I was told only 1 supervisor was on staff. Until suddenly another was available, after a 15 minute hold, but the call couldn't be transferred and I would have to wait for a callback. I clearly and repeatedly stated I did not authorize a callback and would not accept one, that the " supervisor '' needed to get on the line. II was ignored. I called again. The " supervisor '' conveniently callled me while I was on the line with SLS, and then suddenly was on " another call '' and so could never actually get on the line. 

I have no tolerance for games and will not be treated in such a way. SLS has no authority to tell me " this is how it's gon na be '' and more importantly has no right to do anything I specifically state is not authorized. It claimed to enter this loan into forbearance without even asking let alone getting permission, but also ignoring the fact that it was already in forbearance. 

SLS has failed at every step and every interaction. This company also fails to follow the law and should be shut down.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
a while back my house was broken into and they stole my personal belongings from my house such as id social security card, drivers license, birth certificate. since then I have been seeing numerous things come up on my credit report and I have not been the one opening the accounts. I have reported to the credit bureaus but small actions have been taking, i just found out about the cfpb.

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 2023-02-06
Company: TRUIST FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Truist will not release our funds and close our account without personally visiting a Truist branch, claiming the account is dormant. We've been accessing and monitoring the account for years virtually. We live in XXXX  and the closest branch is states away. They are holding a LARGE sum of our cash and paying pennies per month. Closing our account should not require expensive travel. The bank refuses to make any other accommodations for us to move our cash.

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 2022-06-10
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: Information belongs to someone else

Complaint:
Hi I am submitting this 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 XXXX has me at a score around XXXX. 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX 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 2023-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I went online to purchase a tool from a website, when paying it linked to XXXX for payment. After a few days i never recieved a recipt or tracking, after a week i tried calling the number listed on the website but it was a fake number. I contacted paypal and they told me because it went through friends and family they cant do anything and contact my bank, i asked for a copy of the recorded call but they refused. I called capitalone, by credit card issuer, and they started a dispute, after 30 days i recieved a letter saying they cant do anything, called again to reopen claim and antoher 30 days recieved the same letter again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-15
Company: PRESTIGE FINANCIAL SERVICES INC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought this car with my ex husband back in XX/XX/XXXX. 2 years later we got a divorce and the car was rewarded to me in the divorce leaving my solely Responsible for the debt thereon to prestige and or any payments which may Become due for the use operation and maintenance or financing of said vehicle and shell hold her husband harmless from any of the cost there on. That statement was directly quoted from the divorce papers. That statement has never happened. I have tried many times to make it possible to make me and only me solely responsible for the vehicle even though I have been the only one to pay the payments, maintenance and tag renewal of the car. 

The current situation I am in is I have moved stages, from XXXX  to XXXX, where I am currently trying to get the car titled. The issue that I am having is that the state is stating that he has to be present or sign a power of attorney paper, which he is refusing, for me to be able to transfer the vehicle. Due to the information in the divorce decree, this statement should not apply to my situation. The car company i.e. the loan company, has stated to me that not only is the divorce decree invalid in regards to getting this information changed but will not be changed even if the car is paid off. With this being said I am now unable to get the car licensed tagged and or updated in regards to the tags for the state of XXXX. I am unable to do this because of them being unwilling to follow the divorce decree which has been filed and processed to the state of XXXX. Along with the information stating that I am financially responsible there is also information in divorce decree that states, the husband shell execute any title or transfer documents, if necessary, pursuant to this agreement.. Based off of the last bit of information that I was informed of, my ex-husband is still getting information from this company, prestige, about every payment I have made from the time of the divorce thats up until the most current. 

I have recently tried to contact the car company to ask for any and every advice they might have. I have called on : XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX. I have received no responses from the attempts I have made to the loan company. I now have expired tags that I can not update due to him having to be present, or sign the paper he refuses to sign, and has me unable to XXXX by state laws. I would just like the car to be solely mine like the court order states so I can transfer the car and move on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Block, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Between XX/XX/2022 and XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of 0.3875 BTC ( XXXX USD at the time ) from my CashApp account to fraudulent investment firm ( s ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether CashApp did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around XXXX. That is a huge difference. transunion 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 transunion 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 Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX 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 Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  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 2023-06-12
Company: Genesis FS Card Services, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
There actually wasnt the correct scenario that I could find but this one was the closest. Back in XXXX of XXXX I had to have some teeth removed. It was an emergency as the XXXX was going into my bloodstream. I went to XXXX XXXX which had a credit program I was provided for the amount of the service which was XXXX. I was approved for a XXXX credit limit but opted to use only what was needed. After that I kinda fell behind as you know Covid was surging, I am a single mom of kids so whenever one would get sick I had ti miss work etc. So, then account hit my credit. At that time I was struggling to make ends meet however, trying ti keep my credit up at the same time because it was the only thing I could rely on if need be. So I reached out to them to begin making payments. So around XXXX of XXXX I reached out to them the amount was XXXX and asked if they could remove two late fees, they did and it took my amount down to XXXX. At that time I begin making payments at XXXX. Making my payments and the amount is going down. I was making extra XXXX payments as well to get my balance down quicker. I have receipts and everything of these transactions. Then one day I look and see the balance is higher then it should be so I contact them and spoke to them, spoke to three different managers at this point that assured me they would take care of it give them a week so I did and nothing. I called back speak to another manager she digs in to my account and says well this doesnt make sense I cant see where this charge is coming from because you are making your payments as well as extra payments. Still didnt fix it, so I made another payment at the XXXX plus my extra XXXX. Then the next bill comes out and my amount due is significantly higher is like XXXX dollars and Im like no way, what is going on so I reach out to them yet again. Nobody can find whats wrong, they say give them a week and they will call me back for them to investigate. They told me not to pay for the month of XXXX so I didnt and then the next payment would be due in XXXX. XXXX rolls around with this high payment due of XXXX and they tell me its because of two of the first payments I missed. I told them they couldnt do that because the original amount that was due when it first hit my credit was the XXXX and when they took the late fees away it went down to XXXX something and I begin making my payments from there and that was the agreement. All of their calls are recorded and I do not think it is fair because can go back and add payments AFTER we have made a agreement. I need help because this is affecting my life, my credit everything. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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 with the Fair Credit act The XXXX XXXX XXXX Bank Account 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 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 non-monetary relief
Consumer complaint received 2022-10-06
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Barclays XXXX continuously kept asking private information that a person who would commit fraud is my reasoning for changing my address I called in and automatically says being transferred to manager then I'm not then I've been transferred to another person asking same but personal different questions. It doesn't seem right. 
XXXX was trying transferee to Eventually and asked another question that would automatically give purpose of fraudulent acts. I've never been asked for my social, email, birthday, mothers maiden name and phone number just to change my address and I asked XXXX this was a secured line nobody answered yes it is. Then I hear some giggles in the background. What are my steps here to not have fraud take over on my phone?

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 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Companies on credit report ran credit without my permission.According to USC 1681 sec 604a they can not do this.Credit reporting agenies 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 explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have two disputes with Experian credit report I have tried summiting the disputes online the website tells me I cant dispute it because I already have on the same subject, which is untrue and to call. When I call they refuse to help resolve this and are rude. It seems they are purposely doing this to be retaliatory for previous lawsuit and have no intentions on making it right. 
First dispute is for XXXX XXXX XXXX they are reporting I opened an account in XX/XX/XXXX which is not true the account was opened in XXXX also the amount {$1500.00} is incorrect. They have erased this very item from my credit report for being inaccurate yet they keep adding it back on. Second I randomly had an inaccurate address show up on my report a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I tried to dispute it, it would not allow me to dispute it and said it was reported by XXXX XXXX associates the very creditors that was trying to sue me and it said in order to remove it I have to contact them. Experian 100 % knows this is inaccurate and I believe is working with this creditor. Both of these credit companies tried and sue me and I got my attorneys involved to put a stop to it. I believe this is retaliation.

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