BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
Company: Square Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 Cash App allowed multiple fraudulent transactions occur to my account, when the charges were initially made I reached out to the support via phone and chat support, which has not resolved my issue. On XX/XX/2021 after seeing the transactions in pending status I immediately alerted them, they stated they could only dispute charges after they posted. {$3.00} from a XXXX account was charged to my card 32 times totaling {$120.00}, to which I still have not received back! In addition, after speaking with the rep whom said someone would be in contact via email regarding this I HAVE HAD NO RESPONSE! I've called the same number XXXX for three days back to back and the automated voice indicates they're experiencing higher call volumes! NOT FOR THREE DAYS WHEN YOU HAVE ALLOWED FALSE TRANSACTIONS TO OCCUR! When chatting with support they advise you to contact the merchant to which I explained this is fraudulent, how can I communicate with someone who has stolen my information! In addition to the {$120.00} that was stolen from my account and has not been returned they have allowed multiple fraudulent transactions and have 7 pending for which I did not authorize! I have ordered a new card and yet still, on XX/XX/2021 they allowed someone to clear out the small amount that was reflected with a charge from XXXX  of {$3.00} several times, XXXX {$3.00} and several other names such as XXXX XXXX for {$100.00}, another user by the name of XXXX XXXX attempted to charge {$50.00}. This is disgusting and immoral that as a company whom houses funds from all over does not have security measures in place to protect my money, no efficient customer service representatives to proactively stop things like this from happening when I reported each transaction while pending and stated its fraudulent, and a non-working phone number that DOES NOT OFFER SUPPORT! I am irate and want my stolen money returned to me immediately!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I signed up for a promotion with Santander Bank. The terms of the promotion were that if I have {$4000.00} in direct deposits in the account I would be credited with {$400.00} after 90 days. I opened the account online on XX/XX/XXXX through a promotion code sent to my e-mail ( XXXX ) and called after opening to ensure the promotion was attached to the account. I received direct deposits of {$2000.00} on XX/XX/XXXX and XX/XX/XXXX. I received a call a week after the second deposit on XX/XX/XXXX letting me know that I had met the terms of the promotion and would receive a payout today, XX/XX/XXXX ( 91 days after opening ). I set a few alerts on my account so I would be notified when the promotion was received. 

Today, the promotional bonus was not in my account and I called Santander to inquire as to the status. I spoke to a representative XXXX who confirmed I had met the terms of the promotion and the marketing team would be evaluating the account tomorrow and I would receive payout over the next few weeks. He said that I was only at 60 days and I pointed out that 90 days had expired yesterday. We went back and forth on this issue for a while until he figured out he was not counting XXXX (! ) It's one thing to say I need to wait a few more days or another week even, it's another thing entirely to tell me to wait another month. I don't appreciate the runaround this bank has given me and the misinformation I received. I have met the requirements for the payout and they are delaying for no reason.

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: EQUIFAX, INC.
State: TN
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$22000.00} XXXX XXXX Balance : {$870.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items and bankruptcy which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX Balance : {$4200.00} US DEPT ED XXXX Balance XXXX {$17000.00} US DEPT ED XXXX Balance : {$9400.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2016

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 2023-08-08
Company: Bread Financial Holdings, 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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I notified the bank there were charges on my account which were fraudulent in the amount of {$970.00}. They reversed the charges and told me I would have to confirm in writing and they would send me a dispute form. They also said they would change my account number and send me a new card. Before I got the dispute form, on XXXX XX/XX/XXXX they sent me a letter saying " After a thorough investigation we have concluded that the fraudulent items never posted to your account or they were returned in full, which means your account balance is {$0.00} " Despite the above, when I got the first statement for the new card, before I even received the new card, with a new account number, the bank had added the {$970.00} fraudulent charge to the NEW account. I immediately notified them ( XXXX ) I was very upset by their having allowed the same fraudulent charges to be placed on my NEW account, which had allegedly been issued just to avoid this occurrence. I told them to also cancel my account entirely On XX/XX/XXXX they wrote me requesting more information, although they already had told me they concluded an investigation and I was not responsible for the fraudulent charges. The charges again appeared on my XX/XX/XXXX bill. I called XX/XX/XXXX and spoke to XXXX and XXXX, Sr. investigator in the fraud department, who said they will cancel the charge. The XXXX bill showed the charge was canceled on XX/XX/XXXX, placed on the account again on XX/XX/XXXX, and removed again on XX/XX/XXXX. I received no further notices or account statements after XX/XX/XXXX until yesterday I suddenly received a statement showing a charge to my supposedly closed account for {$140.00}. I have not authorized any charges or used my account since I told the bank to close it in XXXX. It is now XX/XX/XXXX. I called the bank and they said the account was closed on XX/XX/XXXX. Nevertheless, they still allowed a new charge!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX  and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : XXXX XXXX, has violated my rights. 

15 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 a account without my written instructions 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-2 ( 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.

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 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020, XX/XX/XXXX add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. I have received the following answer from the agency 'This account was recalled by the creditor in XX/XX/2020. XX/XX/XXXX is no longer handling the matter and requested removal of the account trade-line from the credit reporting agencies at the time of recall. ' According to the FCRA XX/XX/XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.

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 2021-10-28
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Was told XXXX signup bonus when I apply the card. After I met the minimum spend, Amex customers service I was denied for the signup bonus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2016-04-18
Company: CASHCALL, INC.
State: KY
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took out an outrageous high interest loan with Cash Call Online to get into a home so my family was no longer homeless. I was making regular payments ... .so much so that at XXXX point I should have been done with the loan. The loan was at some point sold to another company XXXX XXXX XXXX XXXX. The times the loan started coming out of my account started changing which effected other bills. Between that and another bill ( furnace was n't working properly which shot up electric bill ) I ended up losing the place I was renting. The new company contacted me about signing new documents and getting payments taken out of bank. I tried to explain to them I should have more than paid but their records were n't showing that and he just needed me to electronically sign these papers. I asked him to mail them because I did n't have access to internet any longer and expained the payments were still coming out of my account. Never heard another word from them. But the payments kept messing up my bank account and severely over drawing it. The bank manager suggested I put a Block on the next payment and then close the account. Which I did ... .The new company miraculously called asking where their payments were. I explained that they should be done, what was going on, including losing residence and overdrawn account. He said their was nothing they could do that I needed to sign those papers and set up payments or they would report to Credit Bureau and or take me to court. I heard nothing more from them and stopped receiving email correspondence until today. XXXX Out of no where a lady from a XXXX number calls and starts in on me about a loan I took out that I need to pay over XXXX from XXXX XXXX. ( Mind you I am at a completely different address, with a different phone number that is not under my name, neither of which I gave them due to not having a way to contact them. They do n't provide numbers to call ... they just call you from random numbers or send emails. ) I try to explain to her I 've never even heard of that company and she returns with fact they were once named Cash Call. So I listen. She offers a settlement of XXXX but tells me I have to give her credit card or debit card info to have it drawn out Friday to secure the offer with them. Everything sounding so fishy I just told her I did n't have my card on me that she would need to call back. I 've been doing my research. I am not the only XXXX going through this nightmare. I am afraid to just give my info over the phone to them, especially after all I have lost already. I need help/advice how to proceed without losing even more. Please and Thank you

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 15 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 a account without my written instructions 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-2 ( 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: W&A Intermediate Co., LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Have provided all hospitals with XXXX number to pay for medical bills. Never received anything from hospitals or credit collection agency about this medical debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This was a workman 's comp case. Under Florida law they can not come after me for a balance owed. Workman 's comp paid them. I contacted Avant about 6 months ago and they were suppose to take this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: NY
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:
These accounts have incorrect information 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28
Company: BSI Financial Holdings, Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My initial broker sold my loan to BSI Financial Services. Escrow is collected monthly to cover 2 separate HOAs. BSI failed to pay the annual assessments when they were due. One was paid over a month late, the other was 3 months late. Late fees, interest and collection notices were assessed to my account along with threats of foreclosure. After months of countless calling, one association was resolved. I am now working on the second association, which is still unresolved. I am attempting to refinance the loan in order to sever ties with BSI Financial, at significant cost of pre-payment penalties. That refinance may be threatened due to their mishandling of my account and inability to resolve a fairly simple problem. Upon investigation, I learned that this company has a history of this very situation, resulting in legal action for federal offenses. I am reporting that BSI Financial did not resolve their process flaws, despite the federal charges, the settlement they paid, and their PR statement committing to resolve to improve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: MO
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 am submitting this complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with trheir findings and I am requesting for the complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question. I submitted a letter to the 3 Credit Bureaus XX/XX/2022 requesting to corerct the suspicious information I found on my Credit Report. I belive that the Credit Bureaus have not validated these accounts in accordance with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. It's either the Credit Bureaus correct these accounts or remove completely from my Credit file : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$0.00} DEPT OXXXX XXXXXXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$10000.00}

Company response to consumer: Closed with explanation