BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: Block, Inc.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I own a XXXX XXXX  XXXX, I decided to use square to handle card payments, my first card transaction was {$850.00} and a few days after recieving payment, square permanently suspended my account and held my money, when I log into my account I am told that my funds are held for XXXX days, it has been almost 2 months, i tried emailing them and it is as if their whole email system is a robot, I get the same response every time, they refuse to give me any information, they refuse to give me my money, and now they are telling me to wait XXXX days instead of XXXX days. 
As a small business this hurt very much, after putting almost all of my life savings to start this business, then on my first transaction they tell me my money is held, {$800.00} is a lot for a business that is just starting, and this almost put me out of business and made me loose many customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
State: PA
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 contacted Equifax on XX/XX/21. I sent them an FTC report, passport, cover letter and federal laws relating to the matter. It must be removed within 4 business days according to 15 USC 1681c-2 ( a ) ( 3 ). As a consumer and natural person I know my rights and Equifax is now in violation because after 4 business days of no removal pursuant to 15 USC 1681n, they have violated my consumer rights 11 times, one per each account. Therefore, I am seeking financial compensation for violating my consumer rights in the amount of {$11000.00} in addition to immediate removal of these fraudulent accounts on my consumer report. Thank you for your assistance regarding to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and TransUnion credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$430.00}

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 2021-06-10
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-02
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:
My XXXX claims from the bank of america prepaid edd card services were stolen in entiriety totalling in {$12000.00}. I have exhausted all efforts to obtain the money from their claims department and custoemr servicr which never answers or leaves me on hold for 3-4 hrs at a time. They have also made false statements against their policies. i am too the point that im going to be taking this to court if i dont get my reimbursement. its been since XXXX i believe when i first dicsovered this and made a claim. they supposedly fid their investigation in XXXX and early XXXX i never received correspondence but obviously was not found to be of any fault because i wasnt and can easily prove it. They literally closed my former account in order to cover this mistake up i believe and said they cant send me my statements from that card account now. Fraaud is ridiculous with this company.

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 2018-10-12
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have never been here to this hospital and this is not my bill or debt inaccurate information on my credit report by law debt company can not report false information on my credit report they have reported two bills on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.

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 2023-11-10
Company: Auto Trakk, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX submitted hard inquiry... Without request from me..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: PLANET HOME LENDING, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I was working a full time job for a year getting paid {$32.00} a hour. My boss moved and the company laid me off. I am listed still as an employee but i dont work but XXXX hours per week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: FL
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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with XXXX XXXX XXXX, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2019 Balance : 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 2019-09-18
Company: GUARANTEED RATE INC.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We were suppose to close on my loan the XX/XX/XXXX, we were told on the XX/XX/XXXXthe agent no longer is with the company and neither of his boss and has been gone for a week so no one got back to me. I was under the impression we were all good and then I hear we will not close In time so I need to reschedule for furniture to be delivered and house services such as WiFi cable and electricity. This is not okay I had everything set up, all ready to go. Had movers a truck and now I have to pay fees for switching the day or get stuff delivered my current place as well so even more stuff to move. I also have to stay here a week longer which that will be an additional cost. It was completely unprofessional, I had no one try to make it right with me at all. Just saying we are working on getting you all done. I said I think I just want to go a different direction and they were completely fine. Like my business means nothing. I would have stayed with the company if they tried to make things right but there was no effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each item is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
I am a frequent XXXX customer and a relative high credit card user. I received a promotional offer via email in XX/XX/XXXX to sign up for a XXXX American Express credit card. The promotion stated that I would receive XXXX bonus points and XXXX XXXX if I spent {$3000.00} within the first three months. I spent the required {$3000.00} within 2 weeks of receiving the card and I called XXXX twice in XXXX to inquire about when I would receive the promotional points. Both times that I called, I was told that XXXX would have have to look into why my points had not posted. I called again today, XX/XX/XXXX, and was told that an investigation had taken place after my previous calls and it was determined on XX/XX/XXXX that I was ineligible to receive the promotion because I had the credit card back in XX/XX/XXXX. Not only do I do not remember having this card, but I was shocked at how rude and disrespectful the customer service rep was being on the phone. I do n't understand why I would receive a targeted promotional offer for a credit card I was ineligible to receive the advertised promotion. To make matters worse, XXXX should have contacted me once they determined I was ineligible. I would not have continued to purchase items with that credit had I known I was ineligible. Now I have spent over {$5000.00} on this card and missed out on points with other cards that I would have used if XXXX XXXX had not been deceptive and misleading in their targeted offer. I am writing because I do n't want anyone else to have the same negative experience that I have had. Please let me know if you need any additional information from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Balance Owed : {$0.00} Date OpenedXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Hello I wanted to report a federal violation regarding PHH Mortgage services /XXXX. PHH has stolen {$23000.00} from XXXX XXXX XXXX XXXX  claiming they never received it. They also incurred charges onto the account illegally after the homeowners passing, not knowing the son lived ( s ) in the home. In XX/XX/XXXX, XXXX illegally charged account # XXXX a {$10000.00} fee and numerous hefty charges every month thereafter. XX/XX/XXXX, XXXX started double billing the account, when learned of the sons deed of transfer on the house. The account was not even negative in XX/XX/XXXX, and they have illegally sent the account into foreclosure proceedings against numerous federal statutes and violations. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: ALLY FINANCIAL INC.
State: MN
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:
I bank with Ally bank and someone hacked/stolen my debit card and used to make purchase on XXXX and XXXX costing around XXXX dollars out of my bank account. Ally bank refuse my fraud claim stating that I have authorized it. All of these transaction was for the same amount and on XXXX and XXXX and I did not authorized it. I have contacted both XXXX AND XXXX and both agree that it is fraud and I have to contact my banking institute to get my money back. Both XXXX and XXXX both stated they are willing to reverse the transaction as long as my bank initial the chargeback on their side, yet Ally bank is refusing to do this and is denying my claim. 

Please help me contact AllyBank and get this resolve. I have screenshot of this from both XXXX and XXXX. All of these screenshot are from XXXX. They agree to refund me and Allybank is not allowing my claim so my money can come back. 

Here I have picture proof the XXXX sent to me the that the merchant of XXXX agree to reverse the transaction and refund me the money back if my Bank Allybank allow it. 
XXXX have asked that I dispute with my bank, but Ally bank is not honoring my claim. 

My bank have not asked me to send in any information and yet just denied my claim and not giving me a answer.

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 received a copy of my credit report and I noticed several accounts that I have no knowledge of. I asked that they be removed and they are still showing up on my account. please remove before I proceed with legal action in federal court

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Contacted J.P. Morgan Chase Bank Customer Claims Department in XX/XX/XXXX to file a dispute for three separate transactions made in XXXX, XXXX, and XX/XX/XXXX. These transactions were for a trip made to a merchant that was supposed to happen the first week of XX/XX/XXXX. The trip is no longer going to happen on the established dates of XXXX-XXXX, and has yet to be rescheduled, thus, making this an item/service I did not receive. I have requested a refund from the merchant on three separate occasions, and have still yet to receive a refund. Chase initially issued me a temporary credit when I called back in XXXX, then in XXXX they reversed the credit, stating that the dispute is " invalid '', even though I provided them with all of the supporting documentation and evidence they requested of me. The last time I contacted them on XX/XX/XXXX, they recommended I contact XXXX. When I contacted XXXX on the same day, they stated they could only escalate one of the transactions to a claim because 180 days had passed ( XXXX 's dispute policy ) for the other two. At the end of that call XXXX recommended I call Chase back to see if they could do any more on their end! Now had Chase not given me the runaround, letting an entire month go by, maybe this could have been resolved by now. I have been a Chase customer for almost ten years and have had zero issues with my disputes being approved, but now I am planning to move my money in the new year to a new bank that desires to help their customers and take their complaints seriously!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please FIX the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$0.00}

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 2023-03-06
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:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for transactions or experiences to be reported on my consumer report.

Company response to consumer: Closed with explanation