BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: Block, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
XXXX XXXX was sent out of my cashapp account not by me Ive been going back and forth with cashapp about the money that was stolen they refused to give me my money back after two disputes I expressed I didnt complete this transaction and they keep saying I did which is impossible I wasnt even in the state where it was made and my grandma can testify I wasnt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: EQUIFAX, 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:
Attached is a complaint filed with the FTC and all the listed creditors and inquiries are a result of Identity theft. On XX/XX/2015 Me My Husband and children was victims of Identity theft. We was living in a home that was being rented by someone that did not own the house we statyed there until we was notified that the house was foreclosed and that we had to vacate the premises immediatly we had paid {$17000.00} in rent only to find out we was victims of fraud at the time we had XXXX kids and that left us XXXX with nowhere to go we was forced to leave stouff behind. Once we realized that our personal idnetifications was missing we returned to the house only to see our stuff flying down the street. we lost our social security cards for ourselves and the children, Birth certificates, Id 's and all since Taxes has been filed in our name XXXX XXXX   accouts has been opened credit cards furnitue has been leased in our name and inquries for home loans and car loans has been reporte on our credit report. Please assist us with this siuation and help us get these Items removed. This is our last result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: PA
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:
MY NAME IS XXXX XXXX AND I AM WRITING THIS STATEMENT ON MY OWN BEHALF REGARDING THE INFORMATION ON MY CREDIT REPORTS. FRAUDULENT APPLICATIONS WERE SUBMITTED AND PROCESSED UNDER MY NAME OR IDENTITY WITHOUT MY CONSENT TO OBTAIN GOODS OR SERVICES. THE FOLLOWING INQUIRIES AND ACCOUNTS I NEED TO BE DELETED ARE LISTED IN THIS REPORT AND ARE ATTACHED TO THIS STATEMENT AS WELL : ACCOUNTS : XXXX  XXXX : OPENED XX/XX/XXXX XXXX XXXX : OPENED XX/XX/XXXX XXXX  XXXX : OPENED XX/XX/XXXX XXXX : OPENED XX/XX/XXXX INQUIRIES : XXXX/XXXX  : XX/XX/XXXX XXXX XXXX  SERVICES : XX/XX/XXXX XXXX  XXXX XXXX  : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-09-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$2500.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, XXXX  XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}.

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 explanation
Consumer complaint received 2018-05-23
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: Account status incorrect

Complaint:
My account was in forbeatance but my credit report for that time period shows late payments I tried co texting the loan provider to get it fixed and they said they dont correct information with credit reporting agency. I tre IED credit reporting agencies and they didnt change it either

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 2023-01-05
Company: Thaxton Investment Corporation
State: OK
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'm in the process of purchasing a house so I had my credit report pulled on XX/XX/XXXX and there's an outstanding loan with Covington Credit dated on XX/XX/XXXX in the amount of {$690.00}. I submitted a dispute through XXXX ( application company used to check my credit report ) since this debt is past the XXXX XXXX XXXX XXXX XXXX XXXX to collect on a debt. I received a notice from XXXX on XX/XX/XXXX stating my dispute had been resolved and now it showed there was a XXXX balance for Covington. 

I received a statement from XXXX XXXX XXXX XXXX XXXX  dated XX/XX/XXXX stating they purchased the debt from Covington yet it now had a different account number along with the amount now being {$860.00}. I sent them a letter stating the debt they purchased was no longer allowed to be collected due to being past the XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Never received a reply but as of XX/XX/XXXX they added it to my credit report which has caused my XXXX XXXX to drop by XXXX points along with it now looking like I have XXXX separate loans that are outstanding when it's the same loan. 

Covington Credit should never have sold this debt to XXXX XXXX XXXX XXXX XXXX since they had never contacted me plus it's now past the 5 year Oklahoma XXXX XXXX XXXX to attempt to collect a debt. Both companies are at fault but due to XXXX XXXX XXXX XXXX XXXX purchasing it, it's now up to them to correct it according to XXXX XXXX  along with the FDCPA - Oklahoma Debt Collection Law

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX - mailed certified letter asking them to remove XXXX XXXX from my credit report due to inaccuracies. Within the allotted 30 days, I received response that it has been verified. XX/XX/XXXX - Mailed Certified Letter requesting Method of Verification within 15 days per FCRA 611 ( a ) ( 7 ). 

As of today, XX/XX/XXXX, I have received no response to the verification request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On approximately XXXX, I applied for a Chase Freedom Unlimited credit card through the Chase app. Chase advertised and continues to advertise 5 % cash back on grocery purchases for new cardholders. 
After applying, I received notice from Chase to contact them to complete the application by phone as soon as I was able to temporarily lift one of my credit freezes. I did so. At the same time, with the same phone rep, I closed my Chase AARP Visa. I received the new cards shortly thereafter. 
On XXXX, at the end of the first billing cycle, I saw that I was not credited with the 5 % promotional cash back. I contacted Chase and spoke to several people who could not understand why I was not receiving the correct cash back incentive. One supervisor even adjusted my balance to make up for the shortfall during the first billing cycle as she " escalated '' the complaint. 
The escalation and/or correction of the issue has been denied now at least three times. I have spoken in person, over the phone, and through several emails with a XXXX Chase branch associate XXXX XXXX XXXX XXXX ) XXXX who initiated a branch escalation which was also denied. XXXX is also dumbfounded as to why I have been denied the advertised offer. 
XXXX, of the Chase Escalation Department ( I'm sure they have another name for it ), told me on XX/XX/XXXX that the marketing department denied my claim again. 
The closest anyone has come to possibly explaining the issue was an unknown Chase employee subject at the other end of XXXX XXXX  who said he believes I applied through the wrong portal. The original portal was the Chase app. The error may have occured with the person I talked to after lifting the freeze. Regardless, the offer was in effect before, during, and after I applied, and it is still an offer today. My greatest concern is for the elderly and others struggling financially who may have thought they were getting a good deal and did not in fact receive what was advertised to them. Many of these people more than likely assumed they were getting what was promised but really have no idea. They trust what a company like Chase tells them but fail to verify, just as many people really don't look too closely at their utility bills. 
If you have the ability to correct this issue, I appreciate it. I have a feeling if I am experiencing Chase 's " glitch, '' many others are too. If Chase is unaware, that's one thing. Now that they've been made aware, refusing to address the problem and correct it entails culpability. 
This is not a money issue for me. As of this date, Chase only owes me {$49.00} after three billing cycles ( remember, one supervisor already credited me the difference after the first billing cycle ). This issue is about honesty, truth in advertising, fulfilling obligations, and treating customers fairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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:
Upon reviewing my credit report I noticed some hard unauthorized inquiries and some accounts that are not mine. I did not make or gave these companies authorization to run my credit.

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 2022-10-31
Company: Experian Information Solutions Inc.
State: VA
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2019-07-25
Company: EQUIFAX, 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:
The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud.. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I made a payment on XX/XX/XXXX online for my mortgage. Their online payment form is simple. Select a bank account FROM, select a loan TO, indicate any OVERPAYMENT, and include a MEMO. I rounded my payment up to {$1400.00}. On XX/XX/XXXX I noticed that my checking account still had funds in it. This is typical of Wells Fargo ( they take their time pulling payments - MUCH longer than others, so I have to carefully track them ). I called in to ask and spoke with XXXX - he informed me it was " user error '' and scoffed at me. I escalated it to XXXX # XXXX ( I read the entirety of this complaint to him over the phone for validity ). I filled out the form online again to submit the original MORTGAGE payment amount, and added a MEMO. The form would not allow me to add anything in the MEMO INPUT FIELD - useless and broken. The form was also broken when submitting this on XX/XX/XXXX. I want to document this issue since at this point in time. I already paid this again on XX/XX/XXXX. I've not had any financial loss from my checking account nor did my account go below the amount needed to cover anything - however I've had to carefully watch Wells Fargo and make sure they do their job correctly - and sometimes ( like today ) call them due to inexcusable errors on their end.

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 2018-05-23
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Some one from my PNC business checking account initiated ACH transaction for XXXX for six days and transferred more than {$30000.00} from my business account. 

Company who took out the money : XXXX XXXX  XXXX XXXX XXXX named some company originated these translations. 

On XX/XX/XXXX -- - {$5000.00} On XX/XX/XXXX -- {$5000.00} on XX/XX/XXXX -- {$5000.00} On XX/XX/XXXX -- {$5000.00} On XX/XX/XXXX -- {$5000.00} On XX/XX/XXXX -- {$5000.00} Total : {$30000.00} was taken out from our PNC Bank account without our permission. When ACH transaction initiated we weren't aware and there was no permission given to the company PNC bank even didn't care to check the permission or never called us to get permission to authorize these transactions. 

When we checked our statement on XX/XX/XXXX thats when we came to know about these Fraud Transactions. We notify bank immediately and their answer was in order to stop these transactions we need to notify them in 24 hours and they can give money as ACH if the person knows our account number and routing number. Bank 's response was very casual and said all they can do is submit this to their fraud prevention department and nothing else they can do about our money getting back. We weren't even offered for temporary funds in order to operate our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I TOOK MY DAUGHTER TO THE EMERGENCY ROOM ON XX/XX/XXXX AND ON XX/XX/XXXX. MY DAUGHTER HAD XXXX XXXX BUT THE HOSPITAL PUT THE CLAIM IN UNDER ANOTHER INSURANCE COPMANY XXXX AND I TLOD THEM THAT SHE DID N'T HAVE XXXX. THEY REFUSE TO LISTEN AND I HAVE BEING BOMBARDED WITH PHONE CALLS FOR 2 YEARS. I AM NOT REFUSING TO PAY O JUST WANT THEM TO GET THE AMOUNT RIGHT. 

1. EMERGENCY ROOM XX/XX/XXXX {$700.00} 2. ENERGENCY ROOM XX/XX/XXXX {$700.00} 3. XXXX XXXX XX/XX/XXXX {$4300.00} 4. XXXX XXXX. XX/XX/XXXX {$3100.00} 5. XXXX XXXX XX/XX/XXXX {$190.00} 6 XXXX XXXX XX/XX/XXXX {$170.00} 7.XXXX HOSPITAL XX/XX/XXXX {$1300.00} 8.XXXX HOSPITAL XX/XX/XXXX {$1400.00} 9.XXXX XXXX XX/XX/XXXX {$3100.00} ALL OF THESE BILLS ARE N'T MINES I HAVE TRIED TO TELL THEM THIS AND THEY AREN ; T LISTENING

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19
Company: Eastern Account Systems of Connecticut, Inc.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX is claiming that equipment was not returned but it has been returned and the confirmation exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Experian Information Solutions 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 am a Consumer and a natural person who is aware of all rights that I have, and which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the FCRA 15 USC 1681, everything must be 100 % accurate. I was not provided a copy of the completed investigation. 

I have a list of accounts below : XXXX. XXXX XXXX XXXX Account : XXXX XXXXDEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX Account XXXX XXXX Inquiries : XXXX : Inquiry date XX/XX/2022 XXXX  XXXX NA- Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXInquiry date XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX-Inquiry date XX/XX/2022 XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

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- @ ( 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information was stolen years ago and used for several unauthorized accounts on my credit report. i would like these accounts off my report immediately. I've filed fraud and identity theft XX/XX/2023

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: NAVY FEDERAL CREDIT UNION
State: GA
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 began to work on my credit file last year when I noticed that several accounts were reporting negatively that I had no knowledge of. While I was able to rectify most of the accounts, one remains, which is the account reporting from Navy Federal. At the time this account was opened, I was federally incarcerated. It was clearly a case of identity theft. I provided not only the credit bureaus, but Navy Federal with a signed FTC fraud affidavit, an affidavit they required for their bank, my incarceration records, and a police report. 

It was not possible for me to apply for credit. I have tried without avail and demand that not only the credit bureau, but also Navy Federal remove this information as this is causing me great financial harm as I try to rebuild my life and future. Both are in violation of SEVERAL laws in regards to credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief