BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-15
Company: Block, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
In XX/XX/XXXX XXXX  Cash App suddenly stopped transferring payments from my Cash App account totaling over {$1800.00} to my XXXX XXXX XXXXXXXX checking account that were transferred by my wife from her Cash App account to mine. They have been unable to provide me any explanation as to why, and the matter is currently under investigation before they release me the funds. 

All the payments remitted from my wife to me listed in the attached documents have been withheld without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The Credit bureaus stated my accounts were properly investigated. This is not possible because if the open dates are inaccurate, the dates last active are inaccurate, dates last reported are inaccurate, the amount owed are inaccurate, the payment statuses are inaccurate, and the comments are inaccurate. This is grounds for removal. My rights were also violated under : 15 U.S.C. 1681 Section 602 A States that I have the right to privacy. 15 U.S.C. 1681 Section 602 A States that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: EQUIFAX, INC.
State: TX
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:
XX/XX/XXXX requested deletion of several inaccurate un verified accts. texas atty general child support ( equifax never investigated ) XXXX  credit card ( Equifax said updated info ) XX/XX/XXXX 2nd request atty general ( never investigated ) I sent copy of court papers. still nothing. XXXX card asked for delete of inaccurate unverified acct. ( Equifax said updated ) still reporting incorrect info. during this time XXXX and XXXX deleted these accounts due to not being able to verify acct. XX/XX/XXXX third request to delete inaccuarate unverified accts. sent second court document for atty general ( no investigation done ) XXXX account I asked for who, how and documents on investigation and received nothing accept ( verified )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: DISCOVER BANK
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to seek clarification and verification regarding the reported late payment associated with my DISCOVERBANK account, XXXX which I have recently discovered on my credit report. I do not recall having a late payment for this account, and I kindly request your assistance in resolving this matter. 
I value my financial responsibilities and have maintained a strong commitment to ensuring that my accounts are managed diligently and payments are made promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-04-09
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019 I deposited a mobile check in the amount of XXXX with the authroization of my grandmother ( she signed the check over to me and lives at the same address as I do ). Citibank accepted the check and processed a XXXX dollar credit. Every month I receive a check from my employer in the amount of XXXX. However, they are refusing to process the check any further and have locked my account completely. I keep on being told the check is under review and there is no resolution. The check is from a local dealership issued through their bank XXXX XXXX. The dealership has recently changed hands, however, and banks as well, which means a new check can not be issued and their is not an option for a stop payment. There is not a branch in the state for my bank where my grandmother can present her ID and resolve this ( another option presented ). There are only commercial offices for Citibank.

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 2023-10-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have applied for a mortgage on the purchase of a new home. When our mortgage lender pulled, on XX/XX/2023, our credit every Credit Bureau reported except my Equifax reported. Even my wifes Equifax appeared. The mortgage lender contacted his credit company XXXX. The lender was initially informed that Equifax was reporting INQUIRY INFORMATION IDENTIFIED AS FRAUDULENT BY CONSUMER - REPORT NOT AVAILABLE. The XXXX file number is XXXX. I am now almost {$500.00} in credit reports because of this issue and miss reporting. 

I am being informed that without that 3rd Credi Bureau XXXX XXXX and XXXX XXXX will not afford me financing and it will cost over {$12000.00} in additional fees. 

Prior to this application I have never contacted Equifax. Since this application has been initiated, I have spent over XXXX hours on the phone with Equifax or on hold for Equifax. I have confirmed my name, address SSA Number and forwarded them Government Identification. 
As recently as Thursday XXXX XXXX Equifax informed me the issue had been cleared on their end ( this is not the first time they indicated it was resolve ). The Lender waited until Monday XX/XX/2023 to re-pull the credit. Equifax will not coordinate with XXXX. Nothing had changed. 

Please, can you help me? 

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Mercedes Benz Financial Services
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUDULENT INQUIRIES CONTINUE TO APPEAR ON MY CREDIT. THE FRAUDULENT INQUIRES ARE AS FOLLOWS : XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: EQUIFAX, 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:
According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No Financial institution is not suppose to share my information to third party people. 

These are clear violations of my Federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: BUSEY BANK
State: NC
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:
On XX/XX/XXXX, I discovered that Busey Bank was reporting a charged off account on my consumer reports which is in violation of under the Privacy Act of 1974. They agreed per there contract with me that they would not report my non public personal information to a non third party affiliate. It is evidenced on all of my consumer reports that Busey Bank breached there contract and violated there terms by reporting my non public personal information to third parties, namely XXXX, XXXX and XXXX pursuant to 16 cfr 313.3 and 313.7 ( 1 ). Pursuant to 15 USC 1681 ( b ) Creditors can not furnish consumers information without explicit consent. Additionally, Busey Bank was required to provide me with a purchase money loan pursuant to the Truth and Lending Act, 15 USC 1601 and regulation z which they failed to do. And Busey Bank is also still currently reporting transaction history which is illegal. Also, being that this account is charged off it is considered a certificate of indebtedness which constitutes income and is not to be reported on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to update the account. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$12000.00}

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 2022-12-25
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:
According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No Financial institution is not suppose to share my information to third party people.

These are clear violations of my Federally protected consumer rights.

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 2022-12-25
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
On my credit reports with XXXX and XXXX, JPMCB ( J.P. Morgan Chase Bank ) put false information on my credit report. According to JPMCB, I took a loan out with their company on XX/XX/XXXX under XXXX. Under XXXX, it notes I took a loan out with JPMCB on XX/XX/XXXX which is erroneous. 

I took out a loan for a XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX  XXXX I never took out an original loan with JPMCB on XX/XX/XXXX or XX/XX/XXXX. This information is false and I am enclosing supporting documents from the credit bureaus, along docs from closing who I in fact took a loan out with. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Machol & Johannes, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Machol & Johannes , LLC put a levy against my bank account without serving me on the suit. I was never once contacted by them, even though they claim the attempted to serve me multiple times. I travel for work and between that and other obligations I am rarely home. They claimed I received the papers on XX/XX/XXXX but I never once spoke to a person, received notice or even mail from them. 

They have frozen the funds in my bank account ( {$1900.00} ) all of the money I have to pay my bills and live. 

They email they had given me is returning as blocked, when I was trying to reach out to the company to provide all the documentation and paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, 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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received my settlement check from the University of XXXX  and deposited into my savings account on XX/XX/XXXX. At that time, the teller released {$200.00} and stated that {$4800.00} would be available XX/XX/XXXX and the remaining XXXX on XX/XX/XXXX. Today is XX/XX/XXXX and I went to the bank to meet with a banker regarding opening a checking account with some of the funds that should have been available. He stated that the back-end office put an additional hold and not only is the {$4800.00} not available but now I have to wait until XX/XX/XXXX to receive any of my money! The banker called XXXX XXXX ( who issued the check ) and they stated that the account of the issuer was good and had the funding available but the back still refused. I do not think that I should have no access to my money for this length of time when the university, lawyers from both sides of my case, and the issuing bank Can verify the check is valid and payable. At least XXXX should have been made available. I need assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following inquiry needs to be removed immediately : XXXX from XX/XX/XXXX XXXX Card - Twice i didn't authorize neither from XX/XX/XXXX Explanation : I never consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiries via FCRA section 623. I would like it removed immediately. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, 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 2023-12-16
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a collection notice from Southwest Credit Sytems LP for a XXXX account unpaid with a total of {$200.00}. I called the credit company, and they could not give any information other than it is a XXXX account. Called XXXX and provided a fraud ticket. The only date is as of XX/XX/XXXX, and the collection letter dated XX/XX/XXXX is the first notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: Experian Information Solutions Inc.
State: WV
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 rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX, Also known as XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account number : XXXX 15 U S C 1681 section 602 A States I have rights to privacy. 

15 U S C 1681 section 604 section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U S C 1681c ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U S C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, 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 do not dispute the account reported on my credit report from XXXX XXXX  ( credit card account ). ( I previously disputed the information as incorrectly showing the account as closed on the three credit reporting agencies. ) After I disputed the information originally, the reporting agencies updated the entry to show that the account is open. However, the report still includes a comment that I dispute the information as of XX/XX/2021. Because the information is now correct and I do not dispute the information, I reached out to all reporting agencies and XXXX XXXX  asking that the comment that I dispute the account information be removed. 

XXXX XXXX  provided a non-responsive answer when I requested they report that I do not dispute the account information. XXXX  said there is not enough information so they are asking the creditor for information. Responses from XXXX  and Equifax is pending. Based on XXXX 's inadequate response and the likely response of the reporting agency to ask XXXX for information, a complaint to the CFPB seems necessary to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: SN SERVICING CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
My home loan was consolidated with a home improvement loan. After realizing the principal amount on the note was incorrect they modified the principal amount from {$690000.00} to about {$620000.00}. I was being overcharged and after making the adjustment on the principal amount I do not believe an adjustment was made on the interest paid. My loan was sold several times and in my foreclosure action they presented a note that was not endorsed. Judgment of Foreclosure and sale was entered by default and not on the merits. Based on a recent forensic review it was recently discovered that in my bankruptcy proceeding the alleged lender had to prove they owned my loan and submitted a note with my forged signature. This note was not the same note they presented to the court in my case. Additionally there is only one endorsement. I have reason to believe that the party enforcing this claim is not the owner of my loan. Illegal charges has also been added onto my loan and the amount they claim is owed is disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TransferWise Ltd
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Transferwise bank closed my persnol account. In my account have more then $ XXXX also XXXX pounds and XXXX euro. They closed my account without any resason and notification and hold my funds. I need my account and funds asap. Because I have to pay bills. I will be really thankful to you. 
Email : - XXXX Phone no : - XXXX Address : - XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX Last transfer number : - XXXX

Company response to consumer: Closed with explanation