BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please see attached complaint, identification documents, FTC identity theft report, and XXXX XXXX identity theft report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
My Experian credit score had fluctuated + / - XXXX points every 2 - 4 weeks since XX/XX/2022 in spite of having no negative score factors being reported, the Experian website showing all positive key factors ( exceptional or very good ), and all positive score indicators. 

IE : Credit utilization 0 %, no late or missed payments, one auto loan with no late or missed payments, not seeking new credit, long credit history, long revolving credit history, no public records, no new inquiries. 

I have called Experian several times due to the fact that nothing has changed on my report, no negative information, and the fact that they are reporting all positive factors -- and my score is still fluctuating every 2 weeks the exact same amount of points ( XXXX  points up and XXXX  points down ). They offer no explanation other than 'the information is coming from FICO '. 

I am concerned that they are either combining my report with a different person 's or trying to get me to sign up for their credit boost program.

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 2023-03-16
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX 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 an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2023, I found myself in a bewildering and distressing situation involving Square, a company I had trusted with my financial transactions. Without any prior warning or communication, Square abruptly closed my account, leaving me in financial turmoil. The abruptness of this action caught me completely off guard, as I had never received any indication that my account was at risk.

In the wake of this sudden closure, I immediately attempted to contact Square 's customer support, seeking an explanation for their decision. To my dismay, my attempts to reach out were met with frustratingly generic responses and unhelpful automated replies. Desperate for answers, I persisted, providing evidence of my transactions and highlighting the absence of any warnings from Square prior to the closure.

As if the initial shock wasn't enough, I soon discovered that Square was unwilling to release my funds, compounding my financial distress. Despite my numerous attempts to engage in a constructive dialogue, I encountered resistance at every turn. It became apparent that I was facing an uphill battle to reclaim my rightfully earned funds.

To further compound my frustration, I stumbled upon a contradictory claim from Square 's end. A complaint I had submitted was met with a response that alleged they had indeed warned me before closing my account. This assertion was entirely false, as the timing of their alleged warning came after the abrupt closure had already taken place. The distortion of facts only deepened my sense of injustice and disbelief. 

Facing a seemingly impenetrable wall of bureaucracy, I realized I needed to explore alternative avenues for resolution. As a next step, I considered seeking legal counsel to address this situation properly. Additionally, reaching out to relevant regulatory authorities might prove to be an avenue for obtaining a fair resolution to this unjust situation. 

In recounting this narrative, my hope is to shed light on the challenges I've encountered with Square 's actions, which have caused undue financial hardship and emotional distress. While the road ahead may be uncertain, I remain determined to advocate for a just outcome and reclaim the funds that rightfully belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, Transunion, XXXX XX/XX/XXXX, I sent my XXXX and last dispute to all 3 bureaus via certified letters regarding information that is illegal according to the law- XXXX. There's MULTIPLE information ( false collections, paid acct 's showing contrary, false addresses, misspelling of my name, etc ) from companies that I've NEVER given permission to use my name, signature, etc to report to these 3 bureau 's. There's no contract with my signature to report from any of the information from as early as XXXX on back ; on my behalf. Today 's date is XX/XX/XXXX & there are OVER 56 inquiries & multiple false reports that I've constantly disputed to all three bureaus to no relief nor change! One great example is a 10+ year OLD closed bankruptcy that's FRESHLY reporting AS OPEN!

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 2023-09-29
Company: Experian Information Solutions Inc.
State: IL
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:
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  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 non-monetary relief
Consumer complaint received 2021-07-21
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was order into mediation by the courts with Mr. Cooper XXXX Mortgage Co. ) They RECEIVED ALL DOCUMENTS that was required. The Modifications status would CHANGE or DELAY!! Every attempt to contact Mr. Cooper was meant with NO RETURN CALLS. 
Only to receive a letter dated XX/XX/21 That they could not completed or give me a Modifications due to paperwork was not given ON-TIME. 
This is BOGUS/FRAUD..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: GA
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:
This is the several time I've mentioned being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX 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 Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have had a very good payment record with Nationstar Mortgage, also known as Mr. Cooper, for many years. We have not had an escrow account with them since XXXX. We pay our county taxes on our own with no issues. This year, due to the Pandemic and loss of income, we were making regular monthly payments on our county taxes. When we went to make our final tax payment of {$580.00}, to our surprise we found that the mortgage company had made the payment. We had no idea they were going to do this. We contacted the mortgage company on XX/XX/XXXX by phone, in order to find out what happened and why they did this and also to reimburse them for that amount, which we did. In the phone call we were told that they had created an escrow account, because our taxes were " delinquent ''. They said they had sent us a letter regarding that, which we did not receive. We informed them that we did not want an escrow, since we hadn't had one for many years. They said it was permanent, they would not remove it and that it is for the remaining life of the loan and there was nothing we could do to change that. Our regular monthly mortgage payment has been {$470.00} for years. Now that they have opened an escrow account, our monthly mortgage payment, effective XX/XX/XXXX, will now be {$890.00}, which is basically double what we have been paying for the past 4 years. This doubled payment creates an extreme hardship that is absolutely unfair and unjust. We have been a great paying customer of theirs for many years. They have never had to intervene to pay our taxes since we removed our escrow. I would assume that some basic human decency and customer service should apply here and give us some consideration for this one time situation that occurred during a Global Pandemic. We are requesting that they remove the escrow account and restore our payment to {$470.00}, as it previously was. Thank you very much for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
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: Account information incorrect

Complaint:
I have an XXXX XXXX credit card an in XXXX I was leaving the country so I called and made a payment however, I was told that it hit two days later and because of the representative not putting the correct note on the account to make sure it was at XXXX, I was assessed a late fee and interest was then applied to that amount. Last week I spoke to another representative who has fixed that error that should have been done in XXXX however, I notice that my credit score has taken a hit for negativity and I really do not appreciate it. I was told to reach out to the credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking account with BMO Harris Bank on XX/XX/2023 ending in XXXX with {$100.00} in initial funds. 

I deposited my payroll check of XXXX on XX/XX/2023 after a failed ACH payment via mobile deposit. I received a deposit received and deposit approved message on XX/XX/2023. 

I received a voicemail from an XXXX, supposedly from the fraud department, ( XXXX ( XXXX ) XXXX ) on Friday, XX/XX/2023 at XXXX XXXX Central advising me to call him back in regards to the account. I tried calling back at XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX the same day and it goes straight to voicemail. On XX/XX/2023 I learned my debit card and online banking access had been disabled. I called the number on the card and was advised to wait and call on Monday by the rep so I can talk to the fraud department. Due to one missed phone call, I can not access my account for over 3 days. 

On Monday XX/XX/2023, I left XXXX a voicemail at XXXXXXXX XXXX Central. I also called the XXXX number on the card to see if I can talk to someone in the fraud department. I was on hold for over 45 minutes and when I called the XXXX number and refused to be transferred, I was told they can not contact XXXX. I was told I can go to the branch to close my account. 

I went to the branch located on XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and spoke with XXXX XXXX and was told she can not contact the fraud department and she can not close the account so I can get my paycheck. I asked to submit a formal complaint and after some time was told feedback had been submitted. A copy was not provided to me, therefore I doubt if anything was actually submitted. 

In response I am hoping the CFPB can get a hold of someone at the bank who can resolve the 'fraud ' issue and release my account. I will then likely close my account out of frustration. There is a clear sense of incompetency and red tape that will tie up the consumer out of their hard earned money and I advise consumers to avoid banking with BMO Harris Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, I am trying to get the XXXX required minimum distribution for my mother which I am POA before this tax year ends. 

I have faxed the IRA Distribution form in XXXX and XX/XX/XXXX. Called on XX/XX/XXXX to follow up, and they stated it has not been received. In order to get it processed I have to go to a branch, I visited the branch XX/XX/XXXX and they would not process the request. 

This has been an on-going problem since XX/XX/XXXX. US Bank will not create a file for me for identification purposes. They will not save the POA documentation on file or my ID, so I have to go through this time-consuming, back and forth with no results process each year. 

I followed the instructions last year to get this year 's distribution with no success. If US Bank processed the required minimum distribution last year then I do not understand why it can't be done this year by the same POA presenting all the necessary documentation. 

Thank you for your time!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have has money in my checking that is. Available for a payment that was taken and never refunded and now im negative and had to pay extra to keep my account from being negative where my money and why as a single mother i have to do this 3 times when i should trust wells fargo ive been a member since XXXX  and still give wells fargo a chance

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 2023-04-12
Company: EQUIFAX, INC.
State: MI
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 following 3 Consumers Listed below Have Violated my Rights under the following laws listed below 15 U.S.C 1681 section 602 A. States I Have A Right To Privacy.

15 U.S.C 1681 Section 604 A Section 2 Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions ( 1 ) XXXX XXXX XXXX XXXXXXXX Account Number XXXX ( 2 ) XXXX XXXX XXXX Account Number XXXX ( 3 ) XXXX XXXX XXXX XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Experian Information Solutions Inc.
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:
I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late dates from this account : XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was reviewing some of my old student loan documents. I did not find documentation for th e tworemaining loans with Nav ient. I requested the promissory no te. Navient sent me a promissory note with incorrect information and the note did not include a signature. The signature box was simply marked and a notation made that electronic signature was on file. I requested additional information from Navient including proof the loans belong to me ; to date I have received no documentation. In an effort to avoid these accounts affecting my credit, I make on-time payments every month and will continue to do so until this matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: FL
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

Company response to consumer: Closed with explanation