BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I sold my car on XXXX. They mailed me my check by XXXX. I went to the bank to deposit it. My banker thought it was fraudulent. My bank put a hold on the check for 10 days. I am not happy. The check was written on 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: GOLD KEY CREDIT, INC.
State: NY
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:
I am attempting to perform a refinance for dept consolidation. I was advised to address negative credit reporting from my credit report ASAP. Gold Key Credit appears on my credit report 4 times as a creditor  experiencing delinquency. I have never had an account with the company or received an invoice or anything substantiating that I have a debt to them. I am a XXXX XXXX retiree and XXXX  victim. My wife was diagnosed with XXXX a year ago and I have resided with her in XXXX XXXX XXXX ICU for the past XXXX days. It is imperative that I get negative reporting removed from my Credit Report for an improved score and my refinance approved. Reviews of the company indicate that they data mine for any outstanding medical dates and consolidate them for negative credit reporting with varying degrees of accuracy. 
I have always had superior Medical Coverage and never avoided paying a copay at time of service. It would be a great accomplishment to get bottom feeders like Gold Key banned from negative credit reporting. If someone was not paid for one of my accounts it was an error or the care provider did not document what service they performed with date and location of service to be paid by my insurance. This is the first attempt to address these 4 negative entries on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: EQUIFAX, 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:
TWO INSURANCE ACCOUNTS " XXXX XXXX XXXX '' AND " XXXX XXXX '' WERE OPENED IN MY NAME LAST YEAR AND HAVE SOLD DEBT TO " XXXX XXXX XXXX. '' I AM DECLARING THIS IDENTITY THEFT AND FRAUD PLEASE INVESTIGATE I HAVE ALREADY SUBMITTED POLICE REPORT. THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29
Company: The Outsource Group, Inc
State: NM
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:
Referring to my complaint XXXX. Medicredit agreed to delete collections on my credit reports. These accounts are still showing up on all but one reporting agency.

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 2023-01-01
Company: Earnest Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I am a victim of a financial crime. I am also a creditor in the blockfi bankruptcy. I have notified XXXX multiple times that I will not be making payments so long as the bankruptcy is ongoing. 

XXXX reps do not listen to or comprehend anything I say and have been XXXX XXXXXXXX and even called to XXXXXXXX XXXX  on new year 's eve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: WELLS FARGO & COMPANY
State: TX
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 XXXX. 
I am writing to complain on XX/XX/XXXXfor their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX/2020 XX/XX/2020 XXXX/XXXX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.

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 2020-10-16
Company: Experian Information Solutions Inc.
State: PA
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 disputed and complained to credit bureaus for quite some time the most recent being XXXX of this year of which you investigated. The credit bureaus have waged a war and apparently flagged my social security number. Consumer facing credit reporting agencies such as XXXX, Experian, XXXX  have presented a much higher score number to me than what the bank credit pulls have produced. In some cases the points reported have swung as much as 150 points lower on bank pulls. Recently I have been denied approval on several loan products and I'm also now being asked to present deposits for cell phones with cell carriers I've been associated with and have had good payment history. I have repeatedly asked for the credit bureaus to send me how they have investigated each negative account on my report and they have NEVER provided that information. In fact I have had accounts that have been paid off in the past and they report them as delinquent and past due. It's long past time to delete the negative information on my credit bureaus they have been given over 3 YEARS to do the right thing and they refuse but instead they wage a war against me social security number to keep me in credit prison. I'm determined now to do whatever it takes to restore my good name with the good credit deserved. The bureaus are failing to hold up their end of the deal and tarnishing my good name. Please update and delete this incorrect information at once. You sources and your information in vastly inaccurate and incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2023, I used Cash App to send a friend {$25.00}. Unbeknownst to me, the person deactivated his Cash App account. I contacted Cash App after I could not cancel or ask for a refund. When I contacted Cash App, I was advised that " CASH APP is unable to cancel or refund the completed payments. I was told if I wanted to recover my funds, please have the recipient reach out to us via their app. '' The person reached out to CASH APP Customer Support via the app as instructed to do so. However, the funds are not showing in their balance and Cash App said he could send the funds to the sender ( me ) when the account is active. 

So, if the account is deactivated, how were the funds accepted and supposedly received?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: EQUIFAX, INC.
State: PA
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 disputed and complained to credit bureaus for quite some time the most recent being XXXX of this year of which you investigated. The credit bureaus have waged a war and apparently flagged my social security number. Consumer facing credit reporting agencies such as XXXX XXXX, Equifax have presented a much higher score number to me than what the bank credit pulls have produced. In some cases the points reported have swung as much as 150 points lower on bank pulls. Recently I have been denied approval on several loan products and I'm also now being asked to present deposits for cell phones with cell carriers I've been associated with and have had good payment history. I have repeatedly asked for the credit bureaus to send me how they have investigated each negative account on my report and they have NEVER provided that information. In fact I have had accounts that have been paid off in the past and they report them as delinquent and past due. It's long past time to delete the negative information on my credit bureaus they have been given over 3 YEARS to do the right thing and they refuse but instead they wage a war against me social security number to keep me in credit prison. I'm determined now to do whatever it takes to restore my good name with the good credit deserved. The bureaus are failing to hold up their end of the deal and tarnishing my good name. Please update and delete this incorrect information at once. You sources and your information in vastly inaccurate and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 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 2017-09-20
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:
On XXXX XXXX 2017 I reluctantly called experian and told them the collection company was n't able to provide me legitimate validation of the debt so it needed to be removed from my report. I was told they could n't delete information but would dispute it again. Two weeks later I got a letter saying the item was verified. I then asked what information did they get to verify this of which I was told they could n't tell me. They said the debt collector told them " to the best of their knowledge the debt was verified ''. Experian refused to show me their proof and all experian did was parrot the information which is n't right or legal.

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 2020-07-09
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My XXXX XXXX XXXX account had a total of 4 promotional purchases and 1 revolving purchase as follows : 1. {$13.00} revolving, due to the adjustment in the application of a previous payment which I was not made aware of at the time. 
2. {$4400.00} promotional balance due XX/XX/XXXX 3. {$390.00} promotional balance due XX/XX/XXXX 4. {$720.00} promotional balance due XX/XX/XXXX 5. {$17.00} promotional balance due XX/XX/XXXX The due date on my account was XX/XX/2020. On XX/XX/XXXX I paid the promotional balance of {$4400.00} in full to avoid accrued interest, this payment was applied correctly. I then called to ask about the minimum amount due on the remaining promotion balances ( this information is not listed on the monthly statement ) so I could make an additional payment to cover those, as well as the full revolving balance. I was told those amounts were {$13.00} ( # 3 ), {$26.00} ( # 4 ), and {$5.00} ( # 5 ), for a total of {$44.00}. I made this inquiry because I was charged a {$2.00} minimum finance charge the prior month because of how a previous payment was applied. 

On XX/XX/XXXX I made an additional payment of {$65.00} to cover the {$44.00} minimum due as well as the revolving balance of {$13.00} with a few dollars to spare to insure that I would have no balance remaining that would be subject to finance charges. I spoke with the credit card company twice on XX/XX/XXXX when I made the payment requesting assurances that it would be applied to the balances as I detailed above. I was told that could not be verified until my next statement was generated on XX/XX/XXXX and if the payment was not applied correctly that I could call and it would be adjusted. 

On the XX/XX/XXXX statement only {$5.00} was applied to the revolving balance resulting in another " minimum finance charge '' of {$2.00} which equates to an APR of 180 %. I was willing to let it go once but not 2 months in a row, As soon as I received the statement I called yet again on XX/XX/XXXX and spoke to 3 escalating levels of " supervisor ''. All were happy to adjust my payment as I had originally intended and requested but adamantly refused to reverse the finance charge, even though it would not have been generated if the payment was applied as I requested on XX/XX/XXXX. 

I realize this is only {$2.00} but if standard operating procedure has no mechanism for consumers to direct how extra payments will be applied until AFTER finance charges are accrued that needs to be remedied. I'm sure this is not an isolated incident and other unsuspecting consumers are being charged as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXX  # XXXX is reporting inaccurate information with XXXX, XXXX, and TransUnion. 

XXXX is reporting Status Date XX/XX/2018 with positive payment history from XXXX XXXX, but late XXXX and XX/XX/2018 with positive payment made on XX/XX/2018. 

TransUnion is reporting Status Date XX/XX/2018 with positive payments from XXXX XXXX, but late XXXX and NO PAYMENTS HISTORY for XXXX and XXXX. 

Please remove/deleted this account per the Fair Credit Act 611

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 2023-08-13
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:
On XX/XX/2023 I went to XXXX XXXX for an XXXX  XXXX. I was immediately asked for payment before anything was submitted through insurance and presented with a " payment plan ''. I asked repeatedly if this payment plan was a credit card and if it would do an inquiry and report to credit. I was told 5 times it would not. However this is NOT the case. I was lied to by the hospital staff in an attempt to sell a credit card for their own kick back. I filed a complaint and the credit card was immediately canceled, I filed a dispute on the account as I never signed anything nor gave permission for credit reporting or an inquiry to take place. The card was removed from my credit report but the inquiry never was. I recently had to dispute the credit inquiry but the inquiry is denied. I am so distressed over predatory practices from this hospital staff. I specifically said I did not want a credit card nor any inquiries and here we are. I am disgusted and hurt. I will attach my dispute results from Equafax most recently who approved the card being removed but is denying the inquiry. I NEVER signed anything how is this legal????

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Problem with personal statement of dispute

Complaint:
XXXX XXXXXXXX XXXX posted my information in a report without writing and asking me for consent. According to the Credit Bureau I have the right to privacy. According to the privacy laws regarding posting information without asking for consent. 


XXXX XXXX Social Security XXXX XXXX XX/XX/1992 I am adopted and my birth certificate is from XXXXXXXX XXXX XXXX . Social office will state from 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 2021-02-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery calls my cell phone every single day using a different calling number each day. I have approximately 30 different phone numbers they have called me from. I have a list of all the numbers that I can give you. I have repeatedly told the representative three different times to stop calling me. They ignored my request and continue calling me every single day, this is harassment to me. Further, I will take legal action if they continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, 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:
After reviewing my credit reports, I noticed that there are several credit inquiries that I did not authorize. I have requested them to be removed several times now by certified letter asking them to provide me proof that they have permissible purpose to run my credit. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. The inquiries are still on my files and have not received any resolution. Their responses were inquiries are a factual record of file access, please call the creditor directly. I did not give anyone consent to use my information. I sent them a certified letter on three different occasions and they are not complying with the FCRA. 

XXXX  Inquiries are -- -- - XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian Inquiries are -- -- - XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2019-06-11
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 requested verification under federal law asking XXXX, XXXX and Transunion to send me written verification of items they are reporting on my credit report. I have been asking for written verification of any contract or document bearing my signature sent to me for the last several months. 

They continue to report inaccurate information and wont send documentation that the items they are reporting is in fact mine.

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