BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-02
Company: Experian Information Solutions 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 have filed an identity theft dispute with Experian stating that I have been a victim of identity theft and have provided them a copy of my passport, Affidavit Identify Theft, and Consumer statement stating that the accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not mine, and I have not done any business with them. Experian has refused to block these accounts from my credit profile under the law Under 15 U.S. Code 1681c2 - Block of information resulting from identity theft. I want these account deleted from my Experian credit profile.

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 2018-04-15
Company: EQUIFAX, INC.
State: MI
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:
This complaint is based on the handling of this account by Equifax. I previous disputed the account that is being reported by XXXX XXXX   with both Equifax and XXXX. I requested information be removed based upon inaccurate information being reported such as one agency reporting as individual and open, the other reporting as joint and closed etc. Instead of removal, both companies reached out to XXXX XXXX to have them update their records. As you can see with the attachments, they are both still reporting different information. One is reporting open and other other is reporting closed. After this dispute, I realized that this account had been removed from Equifax previously. Therefore, I mailed a dispute to Equifax onXX/XX/XXXX via certified mail by the US postal service asking again for this account to be removed based upon this item being reinserted without notifying me. The dispute was delivered to Equifax onXX/XX/XXXX as shown in the attachment. On XX/XX/XXXX, I contacted Equifax just to get a status. Upon explaining my dispute, the representative I spoke with placed me on hold and informed me that it was being deleted and that I would receive an email. She provided confirmation number XXXX. I waited some time and then called back due to not receiving the email that I was advised that I would receive. Upon speaking with the rep, she advised me that they never received my dispute and that a dispute was opened on XX/XX/XXXX. My call on XX/XX/XXXX was for a status only. I am requesting immediate removal of this XXXX XXXX account from my Equifax report. This item is expected to be removed in XX/XX/XXXX I was informed, however I am asking for it to be removed at this time. I have attached a copy of the certified mail receipt, as well as the confirmation of delivery. I hope to hear from you soon. Thanks for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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:
I have tried to resolve this issue before and you know that you are breaking the law. Any transaction or experience between the consumer and the person making the report Shall NOT be reported on consumer reports. 

There are four attachments to this complaint. Please take the time to open them up and read them so that we XXXX resolve this issue. There are congressional findings and definitions giving proof that the information about XXXX XXXX shall not be reported on my consumer report. This is very embarrassing to even go through this process, my character is being defamed and my privacy is being seen by anyone who tries to access my credit report. Please have this issue resolved within 4 days. I have already wasted time trying to have this issue resolved and I can not get that time back. 

I will be awaiting your response in the next few days. I am trying to purchase a home and this is slowing me down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Convergent Resources, Inc.
State: UT
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:
Convergent Outsourcing is reporting a debt on my credit file that I do not owe. I have talked to my Attorney General and am aware that this debt is past the statute of limitations in Utah. Not only that, this debt is past the credit reporting limit and must be removed. You are in violation of my rights under the FCRA and the FDCPA so this debt must be removed. If not, I will have no alternative than to exercise whatever rights and remedies we have under the laws not excluding pursuing legal suit against Convergent.

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 2021-07-07
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021, A Affidavit of Truth and Cease and desist notice has been provided to Commonwealth Finance by I, the consumer in fact via Certified mail number XXXX and Return Receipt tracking XXXX XXXX XXXX XXXX XXXX XXXX During the initial 30-day investigation period, Commonwealth Finance is on notice that they should not email or call me, not collect any alleged debt, to write me only at the address listed in the letter, to not send me printouts/copies of the proper documentation, and to not send me statements/bills as it will be a violation pursuant 15 USC 1692g ( b ). Commonwealth Finance communicated or attempted to communicate with the Consumer Reporting Agencies about me without my direct prior consent which is a violation pursuant to 15 USC 1692c ( b ) causing harm to my reputation which is also a violation pursuant to 15 USC 1692d ( 1 ).

Upon further research and discovery, I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. Pursuant 15 USC 1692e ( 2 ) ( B ) any compensation lawfully received by any debt collector is FALSE
REPRESENTATION and using the false representation of the amount or the legal status of any debt is also FALSE REPRESENTATION pursuant 15 USC 1692e ( 2 ) ( A ).

Pursuant to Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty
30 days, per law, it be deemed void by the consumer acting as administrator pursuant to 15 USC 1692c ( d ), consumer defined, administrator. Commonwealth Finance has committed several federal violations against me, Federally Protected Consumer, for which I am entitled remedy. Commonwealth Finance must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : Amount owed to me as stated in the Bill of Particular ( s ) All the documents, exhibits, violations, Bill of Particular ( s ), and overall proof of my claims are included in the Affidavit of Truth attachment to further explain this statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
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: Investigation took more than 30 days

Complaint:
I pulled my credit report in the fall of XXXX. Since then I have been disputing unverified accounts on my credit report with TransUnion. TransUnion has not been of any assistance, even failing to respond to my dispute letters, twice. 

XX/XX/XXXX : Sent letter disputing unverified accounts on my credit report XX/XX/XXXX : Sent letter asking for deletion of unverified accounts since TransUnion failed to respond within 30 days allotted according to the FCRA. 

XX/XX/XXXX : TransUnion responds with letter stating that nothing was deleted from my credit report. No mention of its FCRA Violation.

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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-09-01
Company: Flagstar Bank, N.A.
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I set up automatic payments for my Flagstar XXXX from my bank account based on the first statement amount of {$2300.00}. 

In XX/XX/XXXX I received a delinquent notice from Flagstar. After researching the issue I determined the first statement was not based on a full month billing cycle. 

On XX/XX/XXXX I contacted Flagstar to bring my account current to determine the correct monthly payment. In my conversation with the agent, we agreed a $ XXXX payment was the right payment amount and confirmed the account was in good standing going forward. I adjusted my automatic payments to $ XXXX. 

Around XXXX XXXX, I received my XXXX statement with late fees. I immediately contacted Flagstar and the agent informed me they were applying my funds incorrectly. 

On XX/XX/XXXX, I contacted Flagstar and was informed I needed to pay {$5100.00} to bring the account current. This didn't align with the previous agent 's feedback but I felt pressure to make the payment and work through the details after as I didn't want additional reports on my credit record. 

On XX/XX/XXXX I sent a letter ( attached ) to Flagstar 's credit reporting organization explaining the confusion and miscommunication. Their response was to provide more details. 

On XX/XX/XXXX I sent a letter ( attached ) to Flagstar 's credit reporting organization explaining the confusion and miscommunication and reiterating there was never an issue with making the payment, just what the correct amounts were to make the account current. i encouraged them to listen to the recorded conversations with their agents to prove the accuracy of my intentions and statements. Their response was that their records were correct and they would not be making any changes to my credit report. 

On XX/XX/XXXX I sent a letter ( attached ) to Flagstar 's credit reporting organization asking for a goodwill adjustment. I explained all of my other creditors including two other loans with Flagstar have excellent payment records. 

On XX/XX/XXXX I received a letter declining my goodwill adjustment You will see through my transaction history ( attached ) that there was never an issue with being able to make the actual payments. All payments were made on time, the issue was understanding what the correct amount was. I put 100 % good faith effort into resolving the issue in a timely fashion and do not believe the negative reports on my credit report represent my creditworthiness and commitment to repaying debts.

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 2019-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX  continues to report a closed account issued by XXXX/XXXX in which the last " late payment '' was received over 7 years ago. Not only was the account fraudulently open without my knowledge or authorization and therefore must be removed, the delinquency legally can not be included in my credit history on my credit report due to its age and must be removed. 

XXXX  previously removed the following accounts from my credit report due to fraud, and has not re-listed the accounts and the negative reporting history, including XXXX/XXXX ( opened XX/XX/XXXX balance {$9100.00} ) ; CAPITAL ONE USA ( opened XX/XX/XXXX, balance {$490.00} ) ; CAPITAL ONE USA ( opened XX/XX/XXXX balance {$550.00} ) ; XXXX/XXXX XXXX ( opened XX/XX/XXXX balance {$1600.00} ) ; XXXX/XXXX ( opened XX/XX/XXXX ) ; and XXXX/XXXX  ( opened XX/XX/XXXX balance {$4900.00} ) I have no access to the account information in order to dispute with the creditor because they were opened fraudulently without my knowledge or consent. Despite this finding, XXXX has since relisted the accounts as belonging to be with has negatively affected my credit and finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
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:
Experian had deleted a item in XXXX of 2019. Then after the deletion they reposted it 2 months later from the company who does not report this account. XXXX XXXX XXXX has no records of any relationship with experian on me or my social security number and says they have no idea what experian is doing

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 2017-08-29
Company: Benworth Capital Partners LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
The company XXXX XXXX in XXXX, Florida responded only to refinances in complaint # XXXX. This was not a refinance it was a purchase. Not only did they refuse to respond to anyone regarding the question at hand. They also tried to overcharge the client with a closing fee of {$950.00} and attorney fee of {$450.00} and a doc prep fee of {$450.00}. 

I would like to know when someone in our government is going to do something about the affiliation of Real Estate Offices and Mortgage Companies with Title Companies and or Attorneys. It is ridiculous on how this can continue on. It actually does no justice for the consumer at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: EQUIFAX, INC.
State: SC
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 am a victim of identity theft. Someone has access to my personal information and is ruining my credit. I have no knowledge of what or who this could be. I filed an FTC report and sent an Identity Theft Victim 's Complaint and Affidavit, notarized with certified return card. I haven't gotten any mail notifications from the Equifax from my previous complaints filed here and sent through certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Please, please investigate Equifax Inc. 's practices! Please see my previous complaint - XXXX. After submitting my online dispute through Equifax and selecting the " I am no longer liable for this account. '' option, I explained to them that the accounts are greater than 10 years old and that there has been no payments or activity in more than 10 years. Equifax has notified XXXX XXXX that I said the account was fraudulent. I received a letter today from XXXX XXXX saying that my claim of fraud has been found to be untrue and that there are no signs of fraud. Just by coincidence, I received a call from the other company XXXX XXXX ( XXXX XXXX ). At XXXX XXXX, XXXX, from the Credit Bureau dept. called from XXXX. She was returning my call from XX/XX/20. I told her that Equifax was refusing to remove the credit inquiry. She insisted that they have to do this. I was finally able to view the status of my 3 disputes online. It appears that Equifax may be changing the dispute reasons. I never said that any of the reportings were fraudulent. I have indicated on each dispute, month after month, that the accounts are old and need to be removed. XXXX  XXXX states " We've finished our investigation on your fraud claim. Our research found no signs of fraud ... .If you have any other questions, please give us a call at XXXX ''. The extension is XXXX. How is Equifax allowed to tamper with their customer 's disputes? How is Equifax allowed to treat customers this way. Is there any organization that can investigate this company and make them abide by the rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I applied for a premier checking account with HSBC on XX/XX/2022, and the account was approved the next business day XX/XX/2022. The terms of the agreement were a bonus amount of {$450.00} when I make a direct deposit from my paycheck/salary of {$5000.00} or more each month for 3 consecutive months. I did fulfill the terms of agreement for XXXX, XXXX, and XXXX, and when I reached out to the bank on their fulfilment of the bonus, they have been posting me now for the past 2 months. Every time I call, the representative will confirm that I met the terms and say the payment will be made on a future date and they never did. The last time I called, about 2 weeks ago, I was told the payment will be made on or before XX/XX/2022. We are past that date now and the bonus amount is yet to be credited to my account. I feel disrespected and deceived by this Bank and decided to file this complaint against them for the way I am been treated and their refusal to fulfil their own terms and conditions. I am deeply disappointed with HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: PNC Bank N.A.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On Wednesday XX/XX/2021, I visited a PNC branch and sent an international wire transfer to relatives due to the Covid situation and related financial struggles. Two days later, the recipient bank requested an amendment, as the recipient 's account had to be a personal account rather than a business account. I visited the branch again on Friday XX/XX/XXXX at XXXX and provided the information for the amendment. I asked for any documentation to be able to track the transaction, but the staff at the bank said they had no receipt or otherwise. The branch employee and later the wire transfer department on the phone stated that an amendment takes 2-3 business days. I started calling the wire transfer department since the following Wednesday as the recipient bank reported that the money had been received, but not the amendment. Every time I called I was told that the amendment had been already sent, but they would not provide any explanation as to why it had not been received. On Friday XX/XX/XXXX I scaled up my complaint. On Monday XX/XX/XXXX I called the wire transfer department again to enquire about the situation, and ( after more than 6 business days and numerous phone calls to customer service ) the bank representative reported that the amendment had not been sent by the bank. In view of the delays, I used a different bank that got the money there in 1 business day ( so I have now had to effectively sent this transfer twice and will have to deal with reversing the PNC one ). The delay had serious consequences for my elderly parents at a time when they have been XXXX XXXX XXXX and unable to repay debts that I was going to help them with. A penalty is in order for PNC bank due to the detriment caused by its negligence. I was provided unprecise information throughout the process and the bank certainly did not comply with the 2-3 business days window stipulated ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Block, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/20, my Cash App card was used 4 times in the middle of the night at a place called XXXX XXXX XXXX in Ohio. I live in Virginia and did not make these purchases, I did not give my card or info to anyone else to make these purchases either. Immediately after noticing, I cancelled the card and ordered a new one. I also followed CashApp 's dispute process and disputed each charge. They refunded 2 of the charges, but denied the other XXXX. 

XXXX. XX/XX/20 @ XXXX am {$99.00} - refunded. 
XXXX. XX/XX/20 @ XXXX am {$58.00} - claim denied. 
XXXX. XX/XX/20 @ XXXX am {$38.00} - claim denied. 
XXXX. XX/XX/20 @ XXXX am {$67.00} - refunded. 

I don't understand why 2 of the charges were refunded, but not the other 2. I asked through the support chat and the only explanation I got is attached together with the following statement : We have received your request for documentation related to your dispute. 

Please find the attached documentation that Cash App relied on to determine the outcome of your dispute claim in case number : XXXX. 

Were unable to provide any additional support regarding this claim and no further action will be taken.

Company response to consumer: Closed with explanation