BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-22
Company: CCS Financial Services, Inc.
State: AR
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:
Well I have tried numerous of times to discuss my situation which I just got released from XXXX inXX/XX/2021 and have been XXXX since XX/XX/2011 so it's no way I should have any collections or/ and debits or anything at which if and when an account was created open or whatever it is Fraudulent and I demand it to be removed from my credit report cause I'm not able to get absolutely nothing being free from them shackles and restraints and restrictions of authority only to come trying to be a better citizens and a better person to someone else mess running around here acting like they is I ... XXXX when im being told to get thus grass with a hoe tool or pick it by hand

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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:
Now that my loan was transferred, XXXX has not updated the credit reporting agencies with this information. The balance and date closed fields would need to be updated.

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 2019-07-26
Company: SYNCHRONY FINANCIAL
State: FL
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:
A few months ago I opened an account with Care Credit to help me pay for any big Dental bills. They have plans that allow me to pay over 12 months same as cash. Yesterday, XX/XX/2019, I received an " upgraded '' Mastercard without even asking for the upgrade. Naturally I rejected the card and when speaking to the agent on the phone I explained that I was quite upset for two reasons. First they had no right to send me this card without my permission. Second, I have no doubt that they are sending this card to seniors that do not the understand what they are getting and how this may affect their credit score. To me this is a predatory action and must be stopped.

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 2023-09-27
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
XXXX XXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX Balance : {$1900.00}

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 2017-07-15
Company: U.S. BANCORP
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Purchased prepaid visa. Bad magnetic stripe. Unusable. Company refused to freeze card and funds were stolen before company reacted. Now, 80 days later, USBank still says " wait ''.

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 2023-09-22
Company: BANKMOBILE TECHNOLOGIES, INC
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bankmobile Vibe is in control of my financial aid refund. I attended the University XXXX XXXX  - XXXX from XXXX  to XXXX  and this account student checking account was opened under another company at the time. I am a returning student and this account was still attached to me with old information. The account had been locked out and I have been struggling for months trying to get my account re-activated to be able to receive my financial aid refund. They have requested I sign paperwork stating that I am who I am, which required me to have the paperwork notaries. Which I last submitted on XX/XX/XXXX via email. I have called once a week to two times a week since then trying to make sure they have received my email, which they state they have. However, I need to wait for someone to review it. According to the Bankmobile Vibe, my request to be reviewed has been escalated and they will contact me about what is going on. I haven't received anything from them, not an email, mail, or phone call. Every time I call, I am told it is in the process of review but it's been a month now since I last submitted paperwork to them to gain access to my account again. University XXXX XXXX - XXXX will not provide me with a check for my aid and the only way I have access to this money is via Bankmobile Vibe who will not give me access to my account. I'm at a lost on what to do.

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 2023-07-09
Company: EQUIFAX, INC.
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. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
THESE ACCOUNTS HAVE VIOLATED MY RIGHTS 15 USC 1681 602A STATES I HAVE A RIGHT TO PRIVACY.

15 USC 1681 SECTION 604A SECTION 2. IT ALSO STATES NO CONSUMER REPORTING AGENCY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION. ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIME WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 USC 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 non-monetary relief
Consumer complaint received 2022-01-12
Company: AMERICAN EXPRESS COMPANY
State: NC
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 recently reviewed a copy of my consumer, and I noticed that it is reporting an experience with AMERICAN EXPRESS. 

The line of credit I have with AMERICAN EXPRESS is characterized as utilization on my consumer reports. AMERICAN EXPRESS IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports. 

Regarding the : American Express Cash Magnet Card, AMERICAN EXPRESS is in clear violation of the law. Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES Transactions or experiences between the consumer ( ME ) and the person ( AMERICAN EXPRESS ) making the report is NOT INCLUDED on my consumer report Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( AMERICAN EXPRESS ) that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
AMERICAN EXPRESS HAS VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

I mailed a letter to Amex expressing my concerns via USPS trackiXXXX # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
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:
[ Date ] XXXX Consumer Financial Protection Bureau Subject : Complaint Regarding Inaccurate Personal Information Reporting by XXXX I am writing to file a formal complaint against XXXX XXXX and equivalent regarding the refusal to correct inaccurate personal information on my credit report. Despite providing appropriate documentation, specifically a copy of my driver 's license as proof of my correct address, XXXX has failed to make the necessary corrections. 

I have recently noticed that my credit report with XXXX contains an erroneous address, which is negatively impacting my financial standing. As a responsible consumer, I understand the importance of accurate credit reporting and the significant role it plays in various aspects of my life, including obtaining credit, securing housing, and even employment opportunities. 

To rectify this issue, I followed prescribed procedure by submitting a written request along with a copy of my driver 's license, clearly indicating my correct address. Unfortunately, XXXX XXXX and equivalent each rejected my request without any valid justification, leaving my credit report with incorrect information. 

The refusal to correct my personal information violates several consumer protection laws, including but not limited to : 1. Fair Credit Reporting Act ( FCRA ) : Under the FCRA, consumers have the right to dispute and request the correction of inaccurate information on their credit reports. Credit reporting agencies, such as XXXX, are legally obligated to investigate and correct any errors promptly. 

2. Fair and Accurate Credit Transactions Act ( FACTA ) : FACTA provides consumers with the right to obtain and dispute their credit reports. It requires credit reporting agencies to maintain accurate information and investigate disputed items within a reasonable timeframe.

3. Consumer Financial Protection Act ( CFPA ) : The CFPA empowers the Consumer Financial Protection Bureau ( CFPB ) to take appropriate action against financial institutions that engage in unfair, deceptive, or abusive practices, including inaccurate reporting of personal information. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter, investigate the actions of XXXX, and ensure that they comply with the aforementioned consumer protection laws. Additionally, I urge you to direct XXXX to correct my credit report promptly by updating my address to the accurate information provided. 


I appreciate your attention to this serious issue and request your prompt assistance in rectifying the inaccuracies on my credit report. I look forward to a favorable resolution and the restoration of my accurate personal information. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: PNC Bank N.A.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My mother died in XX/XX/XXXX. PNC was notified in XX/XX/XXXX/XX/XX/XXXXbecause she had a XXXX and was unable to care for herself and her bills. She was placed in a XXXX XXXX. They contacted us and said they would come out and view the property to take back in their debt with her. They came out to the equity home ( her trailer ) and emailed us that they were not interested in it. I informed them that she is not able to pay her debt that she was very ill. It was then sold to the county because mom could not pay for her taxes, XXXX XXXX, medical care and bills. She required numerous medical needs because of her very unstable health, most of which I had to help with as her daughter. She died in XX/XX/XXXX. Upon her death, I informed PNC that they had been harassing her in the XXXX XXXX by sending her numerous statements and letters after telling us they were not interested in repossessing the colleratal in XX/XX/XXXX. They said they would stop but it continued. My mother continued to read their mail and was terribly upset. I had asked many MANY times for them to stop sending to her. They continued. She had a very bad XXXX XXXX and XXXX XXXX XXXX. She ended up having XXXX XXXX, then another. The PNC letters and statemetns continued and to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Fay Servicing, LLC
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: Their investigation did not fix an error on your report

Complaint:
My credit is being damaged through no fault of my own. Im looking for options to either pay off this mortgage, make automatic payments. I have no ownership in this home therefore I can not refinance. The primary borrower will not communicate with me. I am NOT being given monthly statements by the lender. I have NO control over delinquency on this account. I can ONLY access this account through my credit report & even though I check regularly, I dont have access to specifics until a month after its reported to show last payment made. I dont have information on how to pay, amount due, close out balance or how to assume full responsibility for the loan. I have not made a single late payment in over 30 years. I want to make sure that Im responsible for anything that I can control. I have no control over this mortgage. Lender even sent wrong info with another of their clients personal information enclosed. I wonder if my personal information was compromised as well..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-04-16
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was a victim of a crypto scam, a friend of mine was hacked. They sent me a website link to an investment company, I clicked the link, and little did I know that the link that was sent to me allowed the sender access to your account and any personal information which is how my friend was scammed. I woke up to a total of {$2000.00} gone from my accounts and transferred via bitcoin through cash app, I realized i'd been hacked and scammed. I reached out to cash app to dispute the transactions, and they blamed me for my losses and refused to investigate. So I disputed the fraudulent transactions with my bank. My bank investigated and provided a provisional credit of {$1700.00}. Because {$300.00} was already inside of my Cash app account from peer-to-peer transactions. I never received that {$300.00} back. A few weeks after this Cash app charged me {$500.00} without warning, notice or explanation. I reached out to cash app support to find out why and they refused to tell me anything besides " Because you disputed {$500.00} worth of transactions with your bank the Add Cash transactions were reversed and the funds were removed from your ( cash app ) account. You need to reach out to your bank for further details about this case. '' Cash App is now charging me, through my cash app account for the funds that my bank rightfully returned to me for fraudulent transactions. And it is very possible that they will attempt to recoup all of the provisional credits my bank provided to me. Cash App refuses to provide details as to why they charged me for the provisional credit my bank provided to me nor provide further assistance with recouping the funds that were fraudulently stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check via mobile app on Sunday/ XX/XX/23 I received an alert that my funds were on hold. I was told it would not show up until XXXX Monday and the alert was automatic. So XXXX days down I finally go into the branch after talking to three representatives and two supervisor because its XXXX and my funds are still on hold .Truist says the hold will be there till XX/XX/23. I have never waited longer than 3 days. This is more than a week and I have the physical check present. Then I was told to return to the branch, get in touch with the issuer of the check ( XXXX XXXX ) to verify and they would release the hold. This was the end of the day now it is XX/XX/23 I went into a XXXX XXXX they had never heard of such policies, I also contacted the person who signed the check. I am currently on the phone with Truist and they have me on hold waiting to talk to administrator. But they made sure to take out fees from my monkey they have on hold and makings me do the leg work just to not need it and take off hold anyways. Very dissatisfying I feel as if I was profiled and treated as such. I just want access to my money when I need it. I will be closing this account and taking my sticks back I will not invest in a system that operates like this. Truist is not true to what they represent I have been with them since the merger I am done do not bank with Truist they do not support everyone. Now Im being told to have the issuing back scan a copy front and back to show that its cleared. I have literally never heard of this procedures. And the nerve of the local representatives to shift blame on the mobile hotline. When they all are under the Truist umbrella same training. Do not bank with Truist because disappointing is what you will receive.

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