BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-24
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
They would not allow me to place a freeze on my account. I tried online and by phone. They said I had to send multiple documents. I have a XXXX and can not do this. They were unwilling to allow other ways for me to place a freeze.

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 2023-02-22
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
XX/XX/2023 In accordance with the Fair Credit Reporting Act, the following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account XXXX : XXXX  # XXXX 15 U.S.C. 1681 section 602 ( a ) states that I have the right to privacy. 

15 U.S.C. 1681 section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furbish an account without my written instructions. 

15 U.S.C. 1681c. section 605 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer reports containing any of the following items of information : any 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 section 623 ( a ) ( 1 ) states that a person shall not furbish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been on time with my payments to Discover CC. I have requested numerous times if my APR can be lowered since I am a good customer, and I ALWAYS hear " we are unable to lower your APR at this time. '' The reason being?! Who knows?! It isn't because I pay late, because I don't. I haven't missed a payment. 

They keep it high because they can. I haven't used this CC since the beginning of the year. How are we supposed to be able to pay off balances when the APR charge is nearly as much as your monthly payment, which is over {$200.00} a month?! *My monthly payment has been around {$220.00}, and the total in interest fees they take is approx {$160.00}!! I'm shelling out to these people over {$200.00} a month and only a quarter of that ... {$56.00} ... is even touching my balance. 

All I'm asking is for a lower APR so my family has a chance to pay this debt off as I'm making faithful payments monthly. 

I think this is thievery and it should be stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint involves USAA accounts : XXXX ; XXXX ; XXXX ; and XXXX. These accounts are found on XXXX XXXX Credit Report XXXX. I am disputing the accuracy and legitimacy of these accounts and charges. When they initially surfaced, I contacted USAA and advised them that I had never opened these accounts and I had never used or possessed these cards. subsequently, I provided USAA all local Police Reports, Federal Identity Theft Task Force reports of the identity theft and fraudulent acquisition of the cards. I provided USAA the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my husband that we had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, USAA refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. USAA and XXXX XXXX have failed to do either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I made an instant Cash App Cash Out Transaction on XX/XX/2020 for my entire cash app balance, which was {$15000.00}, to my new bank account, and was assured that the withdrawal should be completed in 1-3 business days. After waiting 3 days and verifying that all the information was correct, I still had not received my funds. I contacted Cash App support and they refunded me my instant deposit fee of about XXXX XXXX but told me to continue waiting as my remaining funds still had not settle in my account, after reaching out to my bank they told me they received an alert from CashApp saying the funds were to be debited, but they were never released to them, my bank is with XXXX and I have never had any problems receiving money with them before. I reached back out to the Cash App support team and they sent me the XXXX Transaction Details, and instructed me to give XXXX the retrieval reference #, which I did, and XXXX escalated my case to their HQ, which has now informed me that the XXXX Transaction Details that Cash App support gave me is actually insufficient information, and XXXX is not able to locate my funds with that reference number, instead they are asking me for a # that should be recognizable by MasterCard, as the transaction was made on the XXXX ( XXXX ) issuer network, and they have convinced me that there was some kind of error made there. Both Cash App and XXXX  use XXXX  Debit cards so im confused as to what involvement XXXX  might have, but at this point, almost two weeks later, I have received no viable response from Cash App as to what to do next. I was told by multiple Cash App agents that my case had been escalated, but still have not received any follow up. It seems as though it is impossible to speak to anybody over the phone and this entire situation as easily been one of the worst experiences of my life. I have desperately tried reaching out to Square HQ, XXXX XXXX, XXXX, XXXX XXXX XXXX, literally every company I know thats involved w/ Cash App to try to get to the bottom of this situation as I do not know who else to seek help from. To make matters worse, my Cash App account was closed about 3-4 days after my cash out but the funds never even hit my account!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Bread Financial Holdings, Inc.
State: CA
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 closed this account and it is still showing open and reporting to credit bureau as open. This account is closed because they kept lowering my credit limit using false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-11
Company: Asset Management Outsourcing, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX called me in XX/XX/XXXXwe made an agreement, funds were successfully made to them on the approved dates and they STILL added a derogatory mark to my credit report. Shady business practice damaging peoples credit even after payments have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2019-10-24
Company: Uplift, Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
There was a credit adjustment made on my account on XX/XX/2019 according to XXXX, I contacted the department multiple time regarding that adjustment, believing that it should cover 2 payments, I spoke to Uplift multiple times in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It wasn't until our conversation in October where I finally received a clear explanation as to what happened through a follow-up call with an employee. She expressed management almost chewed her head off for asking about the adjustment again, stating they had resolved this issue. The problem was that no one actually emailed me back or called me to let me know why there was a difference in payment. Then I realized that the refund they received XX/XX/XXXX was not applied until XX/XX/2019. This caused there system to generate an over 30 day payment delay in my credit report. When I contacted them about removing the late payment, as the adjustment should have applied prior to that, they said there was nothing they could do and the system did not recognize it as a payment. I do not agree with their answer and I am very dissatisfied with the length of time it has taken to resolve the issue that led to this moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back In XX/XX/XXXX or XX/XX/XXXX of this year I sent a validation letter to the company advising this debt was not mine. I then sent them another letter on XX/XX/2018 which provided proof that the account they have on my credit file is not mine, they still did not respond. I filed a complaint on XX/XX/18 in which they finally responded saying they would remove from my collection file as well as they would send me a fraud packet. To this date neither was done, this account is still on my credit file and I never received the packet they claimed they would send.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-15
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citi checking account at the beginning of XX/XX/2018 using a coupon code provided. The terms were {$500.00} bonus cash after depositing {$15000.00} within 30 days and maintaining the balance for 3 months. I never received the bonus cash - its been more than 3 months. I reached out to Citi multiple times, keep getting shuffled around to different people, in most cases the call disconnects after a while.

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 2021-04-27
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021 at XXXX XXXX I got a call from a person saying from XXXX if the charge for {$1400.00} for an XXXX on my bank account was made by me and I said no. And they said they would put the money back in my account and added XXXX more which was XXXX which I watch them do on my bank account online app. Then I went to the bank to wire their money to them. But I found out someone unauthorized a transfer from my savings to my checking which was not connected with any overdraft fees and use my money to do it. And they are claiming that is was a scam and possibly could not recover the money in scams. But the problem was never going to be a problem because I would not have sufficient funds to wire to them because it was not transferred by me and there would be no money to wire so it is their problem if they don't have enough security to unauthorized have a transfer move from my savings to checking my life savings and have it be gone because I would never send my own money

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 2020-10-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

DEPTEDXXXX XXXX DEPTEDXXXX   XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX   XXXX XXXX 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 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 2021-07-08
Company: EQUIFAX, 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:
I went to the bank to look at getting a loan to purchase a box truck and was denied. The branch Manager went over my credit with me and saw several things on there that is not mine XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. I also saw some student loans on there and Im not sure how that is possible being that I didnt even grauduate from high school. Some of them ran my credit without me knowing 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 XXXXXXXX XXXX XXXX XXXX XXXX. I have reached out to the FTC and the police here. I am doing this on my own and really need someone help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
According to the IRS " get my payment '' web portal, my government stimulus payment was deposited into my American Express Serve card account on XX/XX/2020. The ABA routing number and my account number listed for the transaction are both correct along with the deposit amount. My account does not have any information on this transaction and after calling American Express customer service, they claim no such transaction has occurred on my account. They were not willing to investigate my claim, they were extremely rude and unhelpful in handling this matter. In addition, I asked to be transfered to someone in a supervisory capacity and on 3 seperate phone calls, my call was transfered only to be left on hold and disconnected. I have been trying to resolve this issue since the problem was first discovered on XX/XX/2020 and my last call to them was on XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX $ XXXX. By company. 
XXXX XXXX company / {$1600.00} XX/XX/XXXX By company XXXX XXXX company XX/XX/XXXX bY XXXX XXXX XXXX XXXX / {$350.00} XX/XX/XXXX By XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX {$360.00} XX/XX/XXXX by XXXX  XXXX XXXX  All by company fraud need to taken ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
New standards for how tax liens, civil judgments and bankruptcies are included in credit reports went into effect on XXXX XXXX, XXXX. Beginning XXXX XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals. I disputed the tax lien and judgment information on my report and it came back as verified. The problem with that issue is that I spoke with the companies/court involved who the credit reporting agency claims verified this data, and they responded in writing stating that they do not verify information such as bankruptcies, tax liens and judgments with credit bureaus. Please have any tax liens, & judgments on my report deleted immediately. I was also, according to the XXXX website part of the data breach that took place betweenXX/XX/XXXX. After searching by my SSN,  it said that I was included in the breach ( Please see attachment ). Therefore, I would like to have a fraud alert placed on my credit reports with all 3 agencies and also any credit inquiries from XX/XX/XXXX removed immediately. As these things are negatively affecting my credit score.

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 2022-08-05
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I called on XX/XX/2022 the supervisor XXXX stated she could not remove any information from my consumer report without out permission of the lenders I stated that she was in violation of the Fcra 15 usc 1682 ( b ) EQUIFAX didnt not exercise their grave responsibilities with fairness impartiality, and respect for the consumers right to privacy.

She is also in violation of FCRA, 15 U.S.C. 1681S-2 ( a ) ( 1 ) ( A ). This prohibition is reinforced in subsection ( XXXX ) by the prohibition against furnishing inaccurate information after notice of actual inaccuracy from the affected consumer. 
XXXX also stated she knows Im the original creditor but she proceeded to violate my rights this company never had permissible purpose and never was instructed to furnish or create a report I never gave consent for to the reckless and unfairness of my consumer report I am seeking litigation due to the incompetence of this company and withholding my information in which they are not supposed to have They have violated my rights and also my privacy due to the fact that the information is inaccurate pursuant to 15 usc 1681c ( a ) ( 5 ) only criminal convictions of crimes which antedates the report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: The Law Offices of Quinn M. Kofford, P.C.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The issue was originally for my spouse but the company failed to see that we are 2 different individuals and merged it all into one big mess, so now it is my problem as well. Law Offices of Quinn M. Kofford, P.C., also violated multiple laws when it comes to Fair Debt collection act. " Collectors can call third parties such as family, neighbors, friends or co-workers only to locate the debtor. When they do, they cant reveal the debt, and there are limits on repeated calls. '' I was threatened and humiliated while at work! I notified lady calling me that I was at work but she said she didn't care. I also notified her that my accounts are always up to date and she is mistaken, to which she said that unless I have a paper copy, they can collect even if it was paid. I told her that I am concerned about my XXXX  information breach to which she said : nobody cares about your XXXX  XXXX. I notified her that account did not belong to me and she refused to accept it. She proceeded with XXXX  and yelling. I notified her that if she continues to harass and threaten me, I will have to get an attorney to protect myself. She continued to yell at me and threatening me even though I told her repeatedly she needs to contact correct person on this matter. She then disclosed personal medical information to me that she did not have the right to possess as only necessary medical information can be disclosed for debt collection not whole medical history and it can only be shared with person it belongs to not with another person ( my spouse 's information was shared with me without his permission ). Yesterday we got served as company turned it over to court without notifying myself or my spouse that they are going to take that action. There was no time frame given or outline of the action. I got served at work and lawsuit has both names on it. Original company failed to produce the billing, only handwritten note was sent to our address with no explanation for the charges just dollar amounts. I was not notified that debt could be disputed. I repeatedly asked why she was talking to me and not my husband but never received an answer. If conversation was recorded, I was not made aware of it nor gave my permission. I have to deal with trying to restore my XXXX, fix our insurance ( since breach occurred ), work with XXXX offices on HIPPA  violation ( which means we would have to take time from work to resolve all the issues that were created for my husband and I ). Call was received on XX/XX/2020

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation