BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX mandating owners to use Bank of America merchant services to receive kickbacks. 
In turn costing owners more money than other competitive merchant services.

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 2019-05-05
Company: EQUIFAX, INC.
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:
I call the credit bureaus and told them i was a victim of identity theft. I was told to send all the proper docs to get these account removed. I sent in everything they ask me to and the accounts are still there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: Waterfall Revenue Group
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a bill from XXXX XXXX in the amount of {$47.00}. They are collecting on behalf of XXXX XXXX  XXXX. This debt is not owed. This debt has been taking care of all communication from XXXX XXXX should cease and desist. 

Thank You. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received Continuous phone calls from TSI ( Transworld Systems Inc ) XXXX and very threatening tone. XXXX XXXX said they would not turn over to a collections or put on my credit report until my hospital financial application has been finalized. It is still being under review but yet XXXX still put it on my credit report and having TSI call me everyday with a threating tone and words

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
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:
There is a reporting on my Experian credit report that has exceeded the 4 year statute of limitation that should have been removed. There has been no activity on this account for over 6 years. It is being reported as XXXX XXXX XXXX. They keep reporting every month and updating it after my repeated requests to Experian to have it removed. I've filed numerous disputes to no avail. They refuse to remove it.

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 2023-01-21
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have a personal account with cash app and Ive been using it for a long. Time and Im constantly active on it transferring money or using it as its my main bank I was told to switch over into a bussiness account so I did everything has been fine so me and another bussiness account have been making transactions with eachother selling antiques I was purchasing from him everything was fine until I was making a payment to that person that they let me put lay away basically reserve as Im making my payment it says that cash app has deleted that account I then reached out to cash app and told them reasons why? And that I have a transactions with that person I was buying Ive worked hard to try and purchase the antique and was happy to be finishing paying it off so when this happened I wanted a reason why there profile got deleted and I couldnt get an answer I cant get a hold of the person because we never thought this would happen Im sure hes just as confused as me so I let cash app know right away I just made a payment to this busssienss account how can you guys delete there profile being made that me n this person have been purchasing from eachother, extremely upset I worked extra hours to try and finish paying it off for something I couldnt get because cash app deleted there profile and couldnt give me in touch or any reason why

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: IL
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, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments 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 explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: MA
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:
XX/XX/2021 RE : FRAUDULENT INFORMATION ON CREDIT REPORT I have filed multiple disputes with Equifax regarding this fraudulent address and want it removed. 
I checked my credit report via the Equifax site on XX/XX/2021 and found that this fraudulent address is still on my report. 

I HAVE NEVER LIVED at the address listed below and dont know anyone who does or ever did. 

Remove this fraudulent address : XXXX XXXX XXXX XXXX, XXXX, MA XXXX Equifax needs to remove this fraudulent address because I am not associated with it in any way and never have been. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There are several things on my credit report that are way beyond seven years old. For instance, there is a store card that was open in XXXX without my consent and it was closed two years later with no balance and no charges. That account was from XXXX. Closed in XXXX. It is now XXXX and for some reason they are putting it on my report again. These abuses are not minor. In addition, I am a participant in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are not supposed to be using my home address on my credit report. Yet they continue to do so, despite being sent a letter from the state of California telling them theyre not allowed to do this. The department of motor vehicles, the department of health and human services, even the social services officers have to use my safe at home address. This protect my family. These people are literally putting my family at risk, and they have not resolved this issue.

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 2023-03-07
Company: RMA Credit Association
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:
RMA has violated my rights to privacy 15 USC 1681 ( a ) ( 4 ) by receiving and using medical information without my consent, 15 USC 1681 ( b ) did not use manner which is fair and equitable to the consumer in reporting negative allegations without written permission.

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 2022-02-22
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2022, I initiated a dispute claim to Equifax in reference to accounts and inquiries on my consumer credit report ( XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX ). I did not give expressed written consent to authorize these items to furnished on my report pursuant to 15 USC 1681b ( a ) ( 2 ). A FTC identity theft report has also been filed and sent to Equifax for using my information to furnish items on my report without my consent. These items have not been blocked from my report in accordance with 15 USC 1681c-2 ( a ). I have sent three notices to Equifax since the beginning of XX/XX/2022 with the attempt to settle this matter and get these items removed from my report. However, I have not received adequate response about the investigation or proof of written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: KLS Financial Services, Inc
State: MS
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:
KLS FINANCIAL SERVICE XXXX XXXX  {$110.00} Ive tried several Times to dispute this information to have it removed from the credit bureau because its damaging my credit and the creditor refuses to do so, and now its been passed all medical debt under {$500.00} is supposed to be removed and they still will not

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Receivables Performance Management, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2022-02-22
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax XXXX XXXX. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.C. System INC has falsely reported to the credit bureaus that I have a debt collection owed of {$2400.00} from the original creditor XXXX  which is in accurate. I have never done business with this company and appears to be a case of fraud which is adversely affecting me. I do not appreciate being targeted for debt that I do not owe and have never done business with this company.

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 2018-04-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had hurricane damages so I gave Chase the check and they released XXXX so we then proceeded with the repairs, all were water related so they had to be done and it was more than they released to us. I then put my own money out for them all and work is 100 complete. They are still holding XXXX and said after an inspector that they sent it would be released. The inspector was out on XX/XX/XXXX and send them a report 100 complete. They said it was not sent, I contacted him and he sent it numerous time to them. He said it was them not processing? Don't know who is lying but I need my money, I suggested another inspector to come out and he did, same results house 100 complete. I called they said same not done? I don't know how to get my money, I used all my saving to get this done and wont have my mortgage payment among other bills until I get this. I am XXXX year old widowed veteran and live on a fixed income. I am sure you can understand how hard this is on me. I just want what is mine and not even a supervisor has followed through to help. I have spoken to XXXX XXXX, XXXX XXXX at Chase insurance their phone number is XXXX their tracking number for my house is XXXX. This claim check was first issued in XXXX of XXXX. I am attaching a text picture that the inspector sent to me of 100 percent done. His name is XXXX XXXX XXXX if you need that information. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX XXXX account XXXX has violated my rights under 15 U.S.C 1681 S602 A : I have the right to privacy 15 U.S.C 1681 S604 A S2 : A consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) : No consumer reporting agency may make any consumer report containing 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 explanation
Consumer complaint received 2023-04-15
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:
On XXXX. I disputed negative inaccurate items that are currently listed on my credit reports. On XXXX, I received a stall letter from XXXX, accusing me of using a credit repair organization. I'm an informed and educated consumer, and this blatant excuse provided by XXXX is a clear violation of the FCRA. They must investigate all disputes sent in.

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 2022-02-22
Company: Experian Information Solutions Inc.
State: OH
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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only, I can validate this debt. I do not validate this debt. I demand that these inquiries, collections, and accounts be removed from my credit profile immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$2800.00} Account Number : XXXX Delete from my credit report. XXXX XXXX XXXX - {$0.00} Account Number : XXXX Delete from my credit report. XXXX - XXXX XXXX XXXX  - {$490.00} Account Number : XXXX Inquiries : XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXL - XX/XX/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 2021-05-03
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:
So recently I checked my profile ad I found out items that do not belong to my activity. I mean I do not know these items and I have never been connected with these accounts. So I am asking you to delete them from my credit report because they are killing my score and as a result I have financial issues now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to XXXX Bank for servicing in XX/XX/XXXX. Since then, there have been nothing but problems. The policies and procedures regarding the bank 's automated payment policy have caused me to be late on two payments XXXX in XXXX and XXXX, XXXX ), and pulled a double payment last month XXXX XX/XX/XXXX ). The bank charged late fees on top of those, and credited back one of the two fees. I had originally attempted to sign up for the automated payments, but they did not process the application, and put it into a temporary autopay status, then finally got that resolved a few months later. I worked through the paperwork again in XXXX, submitting everything appropriately, and XXXX did not process it. They sent me a follow up letter toward the end of XXXX saying that I had to resubmit the paperwork. Because I had a payment due XX/XX/XXXX, I made that payment manually. However, it appears that XXXX actually did process my application and pulled my payment in XXXX, causing me to have a double payment. I later received a statement that I wouldn't have a payment due until XX/XX/XXXX, because of the double payment. Though I was not happy with that, I accepted it without complaint. Then XXXX pulled the autopay on XX/XX/XXXX, despite there being no payment due. These sum up a host of bad practices, and XXXX needs to have some accountability in its practices. It's a clear display of incompetence in managing their autopay program.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
I was offered XXXX bonus points if I signed up for the Amex platinum card and spent XXXX USD in 3 months. I signed up for the card and was approved. There was no notice that I was not eligible for the XXXX bonus and in fact I was told that I was eligible approximately three times by Amex employees in 2019 in multiple phone calls ( these should be recorded ). I was told that I hit the goal and the points would be added to my account in six to eight weeks ( was told this on multiple occasions by Amex on recorded calls in 2019 ). 

In the past week I was told that I was not eligible for the bonus even though I was approved, was told that I was eligible multiple times by Amex employees, I hit the spending target within three months ( confirmed by amex employee on recorded call ), and I paid my bill in full. 

Amex managers have been unhelpful so far unfortunately. My personal account is in good standing.

Company response to consumer: Closed with explanation