BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
Company: Block, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I am missing a {$1700.00} direct deposit to my account. Customer service is not able to assist with problems all they do is give a generic pre scripted response and say they show no pending transaction but I have a receipt of direct deposit that they have received the deposit. Also thousands of people are having the same issue but cashapp denies they have a problem. It is funny that cashapp issues coincided with the bitcoin market are they locking customers out of there money to use it in the bitcoin market

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: GA
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 XXXX XXXX XXXX Acct # : 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.

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 2023-06-09
Company: BSI Financial Holdings, Inc.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have made my payment on the XXXX XXXX XXXX XXXX I make my payments every two weeks. On the website it says as on today XX/XX/2023 I am 8 days late. I have contacted them yesterday or the day before saying I have paid on time and to fix it. They haven't replied to me nor have they fixed the issue. Every time I log in, the make a payment pops up. This is the 3rd time I am having issues with them. Last time was kinda fixed, but made me pay a fee ( late or reverse ) when it was their fault. Auto payment was on the first and they took the money out before. They said I changed the dated to the XXXX ( this was after the XXXX ), but that was because the auto pay was before the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On or about XX/XX/2019, an authorized cardholder reported the account as potentially compromised which would trigger a freeze on the account until a replacement card was issued. 

Request XXXX  respond to : 1. Does an authorized cardholder have the right to initiate the process of an account freeze pursuant to a report of suspected activity compromising the security of the account? 

2. If yes, why was the account not frozen until a replacement card was issued?

3. If no, please cite specific regulations and/or internal policies that support.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-14
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My partner and I were traveling in XXXX. On XX/XX/XXXX we were XXXX and robbed in our XXXX XXXX. Numerous items were stolen, including my phone and wallet, XXXX  Drivers License, etc. They managed to get into my phone and create a XXXX account with my TD Bank account. They created XXXX transfers totaling {$2500.00}. We were passed out from whatever they drugged us with for 14 hours. Once we came through we noticed the missing items. We called the police and were sent in an XXXX  to a nearby XXXX. We also filed a police report, which we provided to TD Bank. Once I got access to my emails I saw the transfers. The email confirmations provided an email and a phone number to reach out if it was fraudulent. I immediately reached out to TD Bank via email and by phone, this was on XX/XX/XXXX. I explained all and in my mind all was being taken cared of. My money was still in my account for up to 2 days in pending status. They still managed to let my money be transferred out. I reached out to them via emails that they provided with an update and eventually received bounce backs stating the e-mails were not valid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-01
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an alert that a collection was placed on my credit report by Diversified Consultants. Back in XXXX of 2018 I completed a fraud affidavit for a collection account from XXXX that did not belong to me. XX/XX/2018 the collection was removed and closed. Now this collection agency Diversified Consultants has placed the same collection back on my reports damaging my credit. I have already taken care of this and followed all proper channels and now this collection agency has placed this same unverified account back on my reports. They are damaging my credit and defaming my character. My next step will be to sue these collection agencies because they are using illegal tactics to try and get consumers to pay collections that they clearly do NOT own or can not properly verify according to the FDCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
IT'S CARD FROM FROM ESPICALLY 2014 UNTIL TODAY - ALL I HAD. PLUS I WENT TO GET COPIES OF EVERYTHING - I HAVEN'T RECEIVED ANY MAIL AROUND 2 YEARS. I KNOW SOME IN MY HOME I USE TO OWN - WHICH WAS TAKEN FRAUDLENTLY. A POWER OF ATTORNEY WAS USED VOIDED 4 WAYS. SEVERAL LIVING THERE ARE INVOLVED. BUT I CAN'T GET HELP EVEN FROM REGIONS BANK. I KNOW ONE INVOLVED PAIED THE BILL 'S OF OTHERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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  - Account # XXXX, XXXX XXXX XXXX, XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX - Account # XXXX, XXXX XXXX - Account Number : # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXXXXXX XXXX - Account # XXXX US DEPT. OF EDUCATION/XXXX - Account # XXXX, US DEPT . OF EDUCATION/XXXX - Account # XXXX, XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX- Account XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account 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 2018-02-08
Company: Home Point Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My monthly Morgage payment increased by approximately $500 due to escrow shortage that XXXX XXXX XXXX require that I pay over 12 month period (in addition to my mortgage).  I believe the issue is the result of Homepoint erroneously sending me a refund end of XX/XX/XXXX that should have been applied to escrow in XX/XX/XXXX which caused the shortage.  After speaking to various representatives and at least 3 supervisorsecond the repayment was adjusted over 24 months. The lower amount is better however it still causes an unnecessary  strain on my finances. I inquired about the refund several tines before cashing and spending the money returned to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have a account with XXXX, this account reflects several inaccuracies that are reporting on my credit files with Trans Union, XXXX, and XXXX. The inaccuracies are highly noticed when reviewing my credit. This reporting is effecting my credit as, it is keeping me from obtaining a better credit status. 

I was contacted by a creditor, who advised me that the account with XXXX. Account # XXXX showed my payment status as current, but showed in the XXXXwo-Year Payment History status. With several late payments over 30 days late with all three credit bureaus. I request a update of reporting with all three credit bureaus with Trans Union, XXXX, and XXXX. 

I do not request that this account be removed or deleted, but updated to reflect alone with the payment status of paid current reported on all three credit bureaus with all three credit bureaus. 

List of inaccuracies : Trans Union XXXX XXXX Date Opened : : : XXXX XXXX XXXX Date of Monthly Payments : XXXX XXXX XXXX  Last Reported : XXXX XXXX XXXX  Comment Section : No rate information No rate information Auto fixed rate Date Last Active : XXXX XXXX XXXX Date Last Payment : XXXX XXXX XXXX Two-Year Payment History : Trans union XXXX 30 day late XX/XX/XXXX to XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX to XX/XX/XXXX XXXX : 30 day late XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 30 day late : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This is a breakdown of the inaccuracies that are being reported from all three credit bureaus. I request that these inaccuracies be updated to reflect the true accuracy on my credit files. 
There should be no hesitations, or issues with getting this corrected. I expect that this will be done in the 30 days mandate per Federal Law under the FCRA 15 USC 1681.

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 2020-12-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax did an investigation online on XX/XX/XXXX and today is XX/XX/XXXX and the representatives are still having trouble logging me in to myequifax.com the reset password link they try to send never works or gets blocked. As of today XX/XX/2020 I have a new case number which is XXXX. Please unlock or unblock my access to view my information online. they changed my email address back to XXXX then I received an email from my other email address from XXXX that it has been changed to XXXX which is wrong email I can share a screenshot.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
After learning that some of my personal data was being utilized without my consent when I searched for my name online, I filed a complaint. My information was obtained by an aggregation website, which instructed me to first read the website 's FAQ section before getting in touch with roughly nine other websites to have my information removed. The fact that I had to ask to have my items taken made me feel ashamed in addition to feeling invaded because I respect my privacy. I want the bogus accounts that were added without my permission to be erased from my report. From my credit report, delete all fraudulent and negative accounts. My capacity to get credit has suffered because of this. All I can, I'm doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Chime Financial Inc
State: NV
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My chime credit builder card was used without my permission for purchases a auto premium purchase on XXXX XXXX for XXXX XXXX purchase on XXXX XXXX for XXXX atm withdrawal on XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called a told them my credid card was used without my knowledge and i filled complaint on XXXX XXXX when i realized my card was gone i checked my acc and found it was money taking on same day i filed the dispute the company sent me email saying because of regulation E i dont get provisional credit and then three hours later I get email saying they finished there investigation and found it was not unauthorized purchases but I told them that the card can be used without a pin if you use it as credit how can they be done with the investigation the same day i file it i dont believed they did a far investigation on my case

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: JPMORGAN CHASE & CO.
State: CA
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:
I had issues of multiple unauthorized ACH transfers from multiple remittance companies starting in XXXX, XXXX, XXXX, XXXX and XX/XX/2019. I have visited the Chase branch at XXXX XXXX, California multiple times and have closed and opened new accounts four times. However, my newly opened accounts continuously are compromised with unauthorized charges. I have asked Chase for options to control my account from either restricting ACH transfer to select merchants, using two factor authentication to approve for ACH transfers or rejecting ACH transfers from any remittance company. I have been advised by Chase that there no control options other than to close the account or to call Chase if an unauthorized transaction occurs. This also requires me to sign an affidavit acknowledging the unauthorize transaction every time an unauthorized transaction occurs. This is simply too burdensome. I have closed and opened new accounts 4 times, per Chases advice. I have run anti-malware and anti-virus software on my computing devices and they all came out clean. The unauthorized transactions keep on occurring and Chase is stating they dont have any controls or mitigation steps to secure my account. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Account info Account name XXXX XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, has violate my rights.

15 USC 1681 Sec. 602, states I have the right to privacy.

15 USC 1681 Sec. 6-4a Section 2 , It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b, a creditor may not treat a payment pm am account under an open and consumer credit plan as late for a purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17
Company: HW Holding, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed Hunter warfield inc {$10000.00}. I paid and settle the debt for {$7100.00} on XX/XX/2019. The debit is actively still showing in collections as UNPAID on my credit report. I have asked the company to remove that information for over a year now and they said they would but have not. I want at inaccurate information removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
State: OH
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:
I have sent several letters to XXXX, XXXX and equifax in regards to unauthorized inquires that I've noticed on my credit report and they have failed to meet the request of deleting these unauthorized inquires from my credit report. I need these inquiries DELETED immediately from my report I do not know who these belong to but I did not authorize these. I've already contacted the companies and they advised for me to contact your office. Please DELETE these unauthorized inquires immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
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: Account status incorrect

Complaint:
i got a notification from XXXX XXXX XXXX  that their had been a hard inquiry credit pull from XXXX XXXX XXXX. i tried contacting XXXX but my call kept getting routed to XXXX. i tried contacting equidad online and on the phone to file the dispute they would not investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act Account XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 302 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have XXXX inquiries on my XXXX XXXX that do not belong to me that I demand be removed 1 ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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