BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-21
Company: AMERICAN EXPRESS COMPANY
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:
XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXXXXXX, XXXX XXXX MI XXXX. 

THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX. 

I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. 

THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. 

MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. 

SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. 

Report Number : XXXX Date Generated : XX/XX/XXXX Account NamesAMERICAN EXPRESS AMEX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off/Never late. {$5100.00} written off. {$5100.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$5100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ 0 Monthly Payment {$0.00} Credit Limit - Highest Balance {$12000.00} Terms 1 Months On Record UntilXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX XXXX/XXXX XXXX is reporting on my credit and I never received a notice regarding this very old debt that is well past the statute of limitations. 
When I called recently about it because I saw it on my credit report they said they do not send out notices. 
Its a law that you notify a consumer before reporting to 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 2018-10-30
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 information incorrect

Complaint:
My mortgage account with XXXX XXXX XXXX is not reflecting that it is paid off on my TransUnion report and I recently tried to contact XXXX XXXX XXXX to no avail.

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 2018-10-30
Company: Ditech Financial LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This company continue to use every trick in the book to raise my mortgage. They forced escrow on my account after seventeen years of me paying them. Now they are trying to force place insurance on the property even with me sending proof there times and my insurance agency sending it twice. Each time they say they have not received the paperwork but we have confirmation of each. Now today they sent a statement saying my mortgage will go up again to XXXX a month. My mortgage started out at XXXX. This company is using unfair practices and is attempting to strong arm its customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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: Their investigation did not fix an error on your report

Complaint:
Creditor : XXXX XXXX XXXX XXXXXXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX  ( Original Creditor : XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: OPTUM BANK, INC.
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2022 - I requested to close my Health Savings Account at Optum , Inc ( https : //employer.optumfinancial.com/ ) and transfer all the funds ( $ XXXX ) to XXXX. 

XX/XX/2022 - Optum claimed that they issued a check to XXXX. 

XX/XX/2022 - XXXX told me they still haven't received any check or notifications about the transfer. Then I contacted Optum again and they told me that they will reissue a new check to XXXX. 

XX/XX/2022 - When I tried to contact Optum to inquire about the status, I was told that the case was closed and there's no resolution. The customer service basically told me there's nothing they can do and can't wait to get rid of me by " Is there anything else I can help you with today? '' At this point, my HSA funds at Optum was basically scammed. It's been 1.5 months since I requested the HSA account transfer via mail ( which is another pain point ) and my funds ended up swallowed by Optum. I'll have to take legal action against Optum if this can't be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received 4 phone calls in the last week from this company, Portfolio Recovery, and I only discovered who it was by XXXX the numbers. They are a debt collection company. I have no old debts that are still within statute of limitations for debt collection, and I have a 100 % on time payment record with my current debts, so there is no reason for them to call me. I do not answer unknown numbers, and if no message is left, I block the calls. They call from a different number every time. They need to stop, they need to be sued, they need to be put out of business. The calls I've received so far : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
These days my credit score was dropped almost 30. 
I didn't know until last XXXX. 
When I checked my credit report with Experian, I found there's are 4 hard inquiries.

under my name. I guess 3 of these inquiries were declined.

But 1 requires was allowed. ( XXXX  XXXX ) I don't have any reason to apply for a new credit card. 
. 
I called to XXXX, XXXX XXXX, XXXX XXXX XXXX. and XXXX and XXXX  XXXX fixed this ID theft. 
I attached these hard inquiries and a written letter from XXXX. 
I told XXXX XXXX by phone, they fixed this ASAP. 
In the case of XXXX  XXXX, I called tons of times but still, I haven't any chance to report this. 
Please fix it ASAP. Because of these wired situations, XXXX, XXXX, XXXX decrease my available credit limit almost {$13000.00}. 
Thanks.

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 2023-01-03
Company: EQUIFAX, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, OH XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, OH XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
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 fraud alerts or security freezes

Complaint:
I HAVE SEVERAL DISPUTES WITH EXPERIAN, I HAVE TRIED SEVERAL NUMBERS ONLY TO GET THE WRONG PROMPTS.I AM VERY FRUSTRATED WITH A BIG BUREAU SUCH AS EXPERIAN TO HELP LET ME EXPLAIN WHAT IS BEHIND MY REASONS FOR DISPUTING ANY CHARGES.I WOULD APPRECIATE IT GREATLY IF YOU COULD PROVIDE SOME ASSISTANCE IN THIS MATTER. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL 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 2017-12-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a mail stating that my account is closed due to unusual payment activity. However, I have never made a payment to this account. Please give me an explanation on why the account is closed.

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 2023-06-29
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loans were discharged through the XXXX program. The loans were transferred to MOHELA because they became the servicer of all XXXX loans in XXXX. 

My loan was discharged under XXXX with XXXX payments as of XX/XX/XXXX. I was notified of the discharge on XX/XX/XXXX. I made 23 payments after XX/XX/XXXX. I have not been refunded these payments. I made these payments to XXXX XXXX XXXX XXXX but these consolidated loans were transferred to Mohela as the new servicer and they claim because I never made any payments to them, they have nothing to refund. I talked to the ombuds who sent me to XXXX. I complained twice to them with this specifc information and they just said " your loans have been discharged '' I paid 23 payments of approximately {$10000.00} over the XXXX required by the law and am owed a refund that has been lost by the servicer ( MOHELA ) not acknowledged by the prior servicers ( XXXX XXXX XXXX XXXX ) and is being ignored by the federal agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-05
Company: SYNCHRONY FINANCIAL
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023 I opened an online CD with Synchrony Bank in the amount of {$250000.00}. 
Account # XXXX. Conformation # XXXX. On XX/XX/2023 the money was withdrawn from my XXXX  XXXX XXXX  Account, # XXXX. From that point I've contacted Synchrony many times to inquire why the CD did not show the {$250000.00}.

I was told the account was not opened because the money was coming from business account and not a personnel account. Finally on XX/XX/2023 they told me that the account was cancelled and the money was being sent back to XXXX  XXXX XXXX  To the external account that it came from. I talked to many different representatives from Synchrony from that time and no one could give a straight answer on when it would be returned. They kept giving me dates that it would be returned and it never was. I went to XXXX XXXX XXXX to get help and to date we have no answers. They gave us a trace # XXXX, we came to find out that the trace # was from XXXX XXXX XXXX withdraw, not the return from Synchrony. Please Help

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 2021-04-02
Company: EQUIFAX, INC.
State: DE
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I requested and received copies of my credit report from XXXX, XXXX and Equifax. I identified multiple violations on all 3 credit reports. All three CRA 's mentioned above report that my DPT EDXXXX accounts are 90 days late when there is not a prior 30 or 60 days late. On XX/XX/2020 I mailed all 3 CRA 's letters explaining the violations, and requested removal of all the DPT ED/XXXX accounts that showed 90 days late without being late 30 or 60 days prior. After 45 business days I again contacted all 3 CRA 's mentioned above, and demanded removal of all DPT ED/XXXX accounts that report 90 days late when there are no 30 or 60 days late prior, because XXXX, XXXX and Equifax did not respond to my disputes in a lawful time frame. I have attached copies of the actual disputes that I sent to XXXX, Equifax and XXXX. Attachments include account names, account numbers and violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX US DEPT ED XXXX XX/XX/2012 XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX A ) XXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX ) XXXX U S DEPT OF ED/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXXXXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX HAS PLACED A NEGATIVE COLLECTIONS ON MY CREDIT REPORT EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX  CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE XXXX - XXXX RANGE. 

XXXX  CONTINUES TO REPORT THIS INACCURATE INFORMATION EVEN AFTER I MAILED TO THEM COPIES OF THE USPS POSTAL INSPECTION SERVICE CRIMINIAL INVESTIGATIONS DIVISION REPORT AND COPIES OF COURT ORDER SHOWING THE APPOINTMENT OF A FINANCIAL CONSERVATOR ABSOLVING ME OF FURTHER RESPONSIBILITY AND DUTIES AND ABILITY TO HANDLE MY OWN FINANCIAL MATTERS SINCE THE CONSERVATOR RE-DIRECTED ALL MY MAIL TO HIS OWN OFFICE AND ENGAGED IN MISMANAGEMENT OF MY ACCOUNTS AND FINANCIAL DISHONESTY BY BILLING FOR HIS OWN ACCOUNTS FIRST AND TELLING THE COURT HE HAS BEEN PAYING MY ACCOUNTS AND CHARGING ME FOR DOING SO.

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 2023-04-06
Company: Block, Inc.
State: TX
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:
Cash App Account XXXX, I submitted a Fraud/Scam dispute request for charges made with my XXXX XXXX XXXX issued by cashapp, after attempting multiple times to have the charges reversed for multiple valid and legal reasons. My initial request was completed within policy and FDIC regulations timelines and I submitted all required informations and documents attached to the follow up request the same day originally requested through cashapp 's support. agents as they had requested I do. Over a few weeks I submitted the requested multiple times now have waited the XXXX timeline as requested to allow them to investigate and without notice they have again denied the claim and closed my request. And as I have demonstrated that the charges were due to fraud and deceptive business practices by the merchant to prey on consumers and take money that was services of a product that was never reindered to me accordingly as advertised as well as the charges themselves were in the incorrect amounts I was over charged what I should have paid as well. Please see attachments for further details on the disputed Fradulant facts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: Credit Karma, LLC
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: Account status incorrect

Complaint:
Credit Karma app-As of XX/XX/23 has all my accounts closed, and XXXX XXXX XXXX on XXXX. As has me labeled as deceased. Im very much alive and I find this very disturbing and unprofessional. I would like this addressed and corrected asap. Thank you for you assistance in this matter.

Company response to consumer: Closed with explanation