BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: MI
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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX MI XXXX DPT EDXXXX XXXX  Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXX XXXX  Balance : {$7400.00} XXXX XXXX XXXX  Balance : {$1700.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/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 2020-12-12
Company: Experian Information Solutions Inc.
State: NV
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:
I submitted a formal written request to all 3 credit bureaus seeking the deletion of erroneous and inaccurate information contained in my credit file on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020 In my letter sent and received by Experian, XXXX  and XXXX on XX/XX/2020, I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 6 months from my first written request and almost 4 months since my second written request and I still have not received any responses.

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 2020-12-12
Company: Experian Information Solutions Inc.
State: IN
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2023-02-03
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Cashapp has a negative balance on my app. They are accusing me of declined transactions from my bank. My bank was link to the App. I never kept on balance on the card. I used the cash out option on the app to transfer the money to my BANK acct. On XXXX XXXX XXXX  I performed several transactions. The cash app recipient was paid and no transactions were declined by my bank. Cashapp denies this. They referred me to my bank. My bank confirmed all transactions actions paid and proved copies of my statements. I sent this proof to cashapp and they refused to accept it. Please help me get this negative balance removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the late payments on this XXXX  XXXX account for months. XXXX  and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2019-10-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 
. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you.

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 2018-04-06
Company: Seterus, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job and my unemployment expired.i had a notice ( not sure what they were telling me. ) As soon as I had some money, which was in the beginning of XX/XX/XXXX, I sent them over {$2000.00}. They have not responded in any way. I have filed for XXXX XXXX XXXX and am waiting for a determination. 

I would like to talk to them about purchasing the house, as I now money available for me to purchase the home. Otherwise wil be homeless as i am single and do not have anywhere else I to live permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2023-06-26
Company: AmeriCollect
State: AZ
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 bill was reported to access said they gon na to take care of medical bill, they never did a 3 rd company never told me never address me nothing about they bill they medical company did do nothing about it .I was told this was paid off all ready and my credit is bad and no 3rd company 's don't have my authorization about this only bill on my credit report they are fake and this bill needs off my credit report thank you XXXX XXXX a 3rd company has my bill and is fake, no rights my bill is over 145 days and 2 company 's 3rd party has my bill no rights and this a medical bill was taken care of

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: EQUIFAX, INC.
State: AR
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:
THIS IS THE SECOND TIME MY IDENTITY HAS BEEN COMPROMISED. I DONT UNDERSTAND WHY THIS CONTINUES TO HAPPEN TO ME. PLEASE REMOVE THESE FRAUDULENT UNKNOWN ACCOUNTS FROM MY REPORT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX  PMI Department. In the letter was a request for PMI to be removed from our current Mortgage, a check for {$450.00} for an appraisal and document review, and a list of all upgrades done to the house. 


OnXX/XX/XXXX US Bank received the finalized appraisal from the individual they hired, XXXX XXXX. The report showed that our house had appraised at {$130000.00} and the original value at the time of purchase XXXX XX/XX/XXXX was {$110000.00}. On XX/XX/XXXX we owed XXXX XXXX XXXX   {$100000.00}. 


On XX/XX/XXXX US Bank denied the request to remove PMI and highlighted their Investor Relations Guidelines for PMI Removal. Since we owned the house for less than 5 years the US Bank guideline to remove PMI is that our XXXX on our loan must be 75 % or less. With this appraisal, our XXXX was 76.3 %. 


After I inquired about the guideline not matching with normal PMI guidelines ( LTCV 80 % or less ) I had my lawyer inquire on the issue as our closing documents do not state we must own 25 % of the home to have PMI removed. 


onXX/XX/XXXX, XXXX XXXX, Customer Advocacy Specialist from XXXX XXXX XXXX   responded to my Lawers inquiry restating the Shareholder Guidelines for PMI removal. XXXX also stated in the letter that if we bring the principal balanced owed to US Bank under {$100000.00} by XX/XX/XXXX the PMI would be removed. 


Prior to receiving the letter response from XXXX, on XX/XX/XXXX I sent a letter to XXXX XXXX XXXX PMI Department with a check enclosed for {$1900.00} ; in the letter I stated that this check is to be applied to principal and should only be cashed if this removes the PMI from our next mortgage. The check was cashed on XX/XX/XXXX 


On XX/XX/XXXX I contacted XXXX XXXX XXXX PMI Department and spoke to XXXX who reviewed the case and stated the PMI removal was denied as the shareholder Guidelines were updated within the last month which would now disqualify us from PMI removal. However, US Bank confirmed they had not sent the new guidelines out to its clients, and we began this process in XXXX and completed the process prior to the JXX/XX/XXXX deadline.

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 2018-10-13
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have had my checking account with JP Morgan ( Chase ) for over 20 years. I also have my company account with them as well, as well as my parents are a cosigner for the company with me as well. 
My parents gave me a few checks for XXXX, I deposited them into my account. Instead of holding the checks until the checks cleared, they locked down my account. So, all my automatic payments, automatic deposits, checks that I have written were all voided and did not go through. There was no email or phone call notifying me about this lock out on my account. 
I did after weeks of trying to find out why this was done, get someone in the executive office to return my call. They mentioned that when I signed up for my checking account that they reserve the right to lock down my account anytime they want. 
This obviously was not the answer I was looking for - I asked why they did not wait until the checks cleared - I never expect to get access to the check ( money ) until they clear, but the {$60000.00} in my account I felt like it was wrong to lock me from my money. 
They have not confirmed that they will pay my fees and late payments, I have to compile a list and send them all of the fees and they will look into getting me reimbursed. 
I think this practice of arbitrarily shutting down an account should be a violation, this was not money leaving my account ( which I can understand ) but money coming into my account - It should be the responsibility of the bank of the check that is being deposited. 
Please see if this abuse of power can be corrected. This should never happen to anyone. 
Knowing Chase ( JP Morgan 's ) position, I will have to move my account to another bank - I can't imagine the nightmare that would happen if they locked down my business account. I shocked that they have this kind of power to wield and I am powerless to get access to any money in my accounts for over a week.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-08
Company: Comerica
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2020 I noticed that a charge was made on my Direct Express Card for {$83.00} that Direct Express and was told to cancel my card which I could NOT do at the time because I had to withdraw what funds were on the card because the card would be canceled and I would have to pay to have another one sent to me. On XX/XX/2020 I called and initiated a dispute with Direct Express for the amount of XXXX and was told that I would receive paperwork which I was to fill out and return to Direct Express, i did not receive the paperwork until XX/XX/2020 on XX/XX/2020 I mailed ( mailed from local post office ) the completed paperwork back to Direct Express. I called Direct Express on numerous trying to get the status of my  claim sometimes being put on hold for 2 hours and 45 minutes only to be told that my claim was still under investigation. On XX/XX/2020 I called and was told by a CSR in the dispute department that my paperwork was not received within 10 days of the opening of my claim ( they said that they did not receive it until XX/XX/2020 ) .How could get the paperwork back to Direct Express when I did not receive it until XX/XX/2020? As of XX/XX/2020 I still have not received the provisional credit which I believe is guaranteed by MasterCard ( the Direct Express card is issued by Comerica Bank and MasterCard ). I have done some investigating on these 2 entities and have found thousands of complaints about fraudulent practices about Direct Express and Comerica Bank. I thought as a consumer I was protected under law by such practices happening but obviously was wrong so how are you going to protect me? I ve filed reports with the FTC and have contacted the Senator for my state. I receive XXXX XXXX a month and this has been a GREAT HARDSHIP for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: CITIBANK, N.A.
State: VA
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:
This is a separate complaint regarding the same credit card for which I submitted a complaint ( # XXXX ) back on XX/XX/XXXX. Citicard called me back within one week and resolved the issue, so I decided to keep the card. 

I just tried using it today, XX/XX/XXXX, but it was declined. I called to find out why, and they informed me that my card account had been closed at my request on XX/XX/XXXX. I did not request my card to be closed subsequent to the account rep calling me to resolve the issue, which was several days prior to XX/XX/XXXX. 

Nor had I contacted the company since XX/XX/XXXX when I tried to activated my card, but then was told that I couldn't, which was what spurred my initial complaint. 

I am submitting a complaint because they could not re-open my account without me having to run through the entire account opening process again, including running credit checks and issuing me new cards, which would take over a week. This level of incompetence is ridiculous. I can not believe how difficult it has been to open a card account. And then only after I made a complaint to the CFPB, did they try in earnest to resolve the issue. And I even gave them a second chance to use their card, only to be told that my account was closed, and furthermore, if I want to continue using their card, I have to go through the account opening process again. 

I am shocked and disappointed that the regulators allow a company with this level of incompetence, disorganization, lack of communication within their organization, and most of all inability to simply open a basic credit card account to operate and offer such products to individuals, many of whom lack the knowledge of how card companies should operate unlike myself who used to work at one.

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 2019-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
OMG! IT's getting so much worse with this bank! 

I previously filed a discrimination complaint with this bank! They still have my name wroing under XXXX XXXX ... .and then I found out that they put a 2 week hold on a {$500.00} XXXX check that I closed because of discrimination, thus that check was bring used to fund this account. 

Now I find out the very next day, they now now access some assinigne {$15.00} Hold FEE???????? for that exact same {$500.00} What the XXXX is this??? 

I want to close out this account now to B of A 's XXXX business pursuits, trying to gouge customers for no fault when they are merely depositing checks? 

What the gull of these people ... ..CFPC, you need to look at this bank gouging customers for fees. As a former XXXX XXXX for the XXXX XXXX XXXX, and now going to XXXX XXXX ... ..I am going to file a tort claim here in California as well against this bank. 

I also want to close this checking account due to the XXXX service and fees being associated with this bank ... ... I have check fees that I also paid to get checks in my name ... .I will be filing for return of those monies as well since B of A has engaged in deceptive business practices trying to extort fees from it's customers. 

This is now a series of 3 complaints against this bank ... .one wonders what other fees they will try to extort from me, when I had the initial discrimination compliant and they are now engaged in retaliatory strikes against me ... .cause of action here under the California Department of Fair Housing and Employment for  discrimination against protected citizens, that being LGBT protected class of individuals.

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 2018-10-13
Company: Experian Information Solutions 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:
An inquiry on XX/XX/2018, a Miscellaneous Utilities of XXXX XXXX. placed a hard inquiry on my report and knew that they do not service my area. XXXX XXXX stated that they could service my home but once they got here it was null.

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 2019-08-29
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Court proceedings were filed against me on XX/XX/XXXX by Midland Funding LLC for a debt that was originally charged off by XXXX XXXX XXXX XXXX and sold to Midland afterwards.

Company response to consumer: Closed with non-monetary relief