BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-28
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/23 through XX/XX/23 in the amount of {$500.00} thats being withheld until XXXX. This bank has held my money without letting me transfer the money into my bank that has already been verified. They have deactivated my account because they said they couldnt verify my bank. So im unable to get my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XX/XX/XXXX XXXX XXXX  I XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2022-06-16
Company: Experian Information Solutions Inc.
State: VA
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/Account number : XXXX XXXX XXXX XXXXAccount number:XXXX XXXX XXXX XXXX XXXXAccount numberXXXX XXXX XXXXAccount number : XXXXXXXX XXXX XXXX XXXX XXXX/Account number:23439**** XXXX XXXXAccount number:XXXX XXXX/Account numberXXXX**** XXXX XXXXAccount number : XXXX XXXX XXXX/Account number : XXXX XXXX XXXX XXXXAccount number : XXXX XXXX/Account number : XXXX XXXX XXXXAccount number : XXXX XXXX XXXX XXXX/Account number : 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 2015-08-16
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I have recently found out my mortgage broker name was added to my loan as owner with me. How I found out is he declared bankruptcy and it was put up as parr of his assets. When I called lawyer who closed the loan he stated that he received a letter from said broker/ bank and told to add his name to loan. Please help me. XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Money was transferred from my other account to this account that I did not do many times. I wrote two XXXX XXXX dollars checks that turned into XXXX XXXX dollars chech.

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 2019-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX  XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Also the late remarks doesn't report consistently with the other bureaus. I really want this to be deleted since I was disputing this for a long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On or around XXXX XXXX XXXX XXXX, I had extreme pain in my mouth due to XXXX XXXX. I called the nearest dental service near me. XXXX XXXX XXXX XXXX, in XXXX, New York. After x-ray 's the dental assistant explained how serious the XXXX in my mouth was and can cause me to die if left for another day. She told me that I needed XXXX XXXX graphs and an XXXX XXXX treatment. She also made clear that my insurance wouldn't cover the procedure. She told me about the total cost for the procedure was XXXX. I didn't have that kind of money.I don't know what each item cost to equate XXXX. I was then asked if I had good credit. I was working on my credit and at that time it was XXXX. She took down my social security number and left. Some time passed and I was told the dentist is coming to do the work. I asked did I get approved? The lady said yes. I will be getting a bill in the mail in 2 months. The work was done. 2 months passed now I'm in XXXX, and I get an email stating that I'm late. I called Synchrony and explained what occurred and they sent me a copy of the account. 3 weeks later I then received the card with the terms and conditions. I expressed how unhappy I was and how unfair it has been. 
I never received 1. The card until I called, 2. The contract that I signed nor the terms and conditions, 3. The TILA, I have no clue what was the XXXX, XXXX. The date its due, 5. The option to shop around for a better deal. I feel like I was targeted and that this company is a predatory lender. 
My daughter went to the same establishment to get a similar procedure minus XXXX XXXX and they took down her social security number, came back and told her she doesn't qualify and gave her resources to get it done for {$600.00}. They preyed on me and charged me XXXX. Due to this, I went from a XXXX score to now XXXX. I am suffering mentally and physically. I should've been looking for a home, but I can not with a XXXX score. I can't eat nor sleep because I've worked so hard to build my credit and due to Synchrony/Carecredit predatory lending its destroyed.

Synchrony/Carecredit has reported differently on each of my reports.

Synchrony/Carecredit has an incorrect spelling of my name because they assumed my name from lack of identity. They only asked for my ss # and a name.

Synchrony/Care credit has reported negative
transactions and it's illegal to report transaction history. The reporting is not 100 % accurate, per 15 USC 1681.

They violated the privacy act of 1974, 15 USC 6801, Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, verbal, nonverbal communication I may have given per 15 USC 6802., 15 USC 6083, 15 USC 6804, 15 USC 6805.

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 monetary relief
Consumer complaint received 2021-04-13
Company: Shellpoint Partners, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started to refinance on XX/XX/2021, with New Rez and I had a loan officer which then was transferred to two other people. Trying to reach someone was not happening. Every time I called I left a message, several messages, even talked to the loan officers supervisor, which helped some. Then as time went on now XX/XX/2021 they send me papers to finalize my loan, which the amounts were not all on there. They were suppose to add a credit card amount to the loan, called several times to loan officer and supervisor and left messages with no return phone call. We did sign the papers not to finalize the loan only to get the interest rate they quoted us at the time to be locked in. I do not know where I stand with this loan, it's the worst customer service I have ever dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
I had ordered an item online and the vendor did not deliver the merchandise. I contacted my credit card issuer and while initially, they credited back my account, two months later, they re-instated the charge, without checking with me. The vendor had never delivered any merchandise and appears to have gone out of business. I provided a written statement, email exchange and screen shot from vendor 's website showing that the order was still " pending '' 2 months later and I had advised Vendor to cancel my order 2 months earlier. Credit card issuer states that they will " look to re-open the case '', but have taken no action and received no communications in over a month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-07-10
Company: U.S. BANCORP
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
While attempting to withdraw XXXX from a US Bank atm in XXXX Oregon with an XXXX atm card, I was sent to a screen asking me if I wanted the currency converted from my XXXX bank account to XXXX before withdrawal or whether I just wanted to proceed with the transaction. The conversion rate offered on the screen was significantly lower ( XXXX4 % ) than the market rate XXXX would receive by simply proceeding with the transaction. Meaning that the bank would make a significant profit over an above the fees already charged from unsuspecting customers who elect to exchange the currency on this screen rather than just proceeding with the transaction. The only legitimate reason it would ever be in the customers interest to take this conversion offer is if the foreign institution charged a currency conversion fee that exceeded the difference in rates. Since foreign transactions fees at many banks are flat fees or waived on many types of cards, this offer in most cases amounts to tricking unsuspecting people into paying an unnecessary fee.

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 2023-01-20
Company: EQUIFAX, INC.
State: TX
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:
This letter is being sent to you in response to the account furnished in my Report. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 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 XXXX XXXX XXXX XXXX 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 2023-06-05
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: WELLS FARGO & COMPANY
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Got behind on my credit card, got put into a program with XXXX to pay off my credit cards. Wells Fargo has received written communication about that and I have updated all the info to use them online. I get between XXXX-XXXX calls a day from this number ( Wells Fargo ). This has been going on for a month and it is abuse. Do not contact me anymore.

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 2022-06-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. Fraudulent Accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX, TXXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX. ) XXXX, XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2021-08-04
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2021, i sent JEFFERSON CAPITAL SYSTEMS , LLC a letter about a alleged debt of XXXX that i don't owe.i requested the validity of the debt but never received anything from them so i sent them another letter on XX/XX/2021 requesting more information about this inaccurate item that is being reported on my credit.I sent them XXXX certified mail on both occassion. ( XXXX ) XXXX XXXX XXXX XXXX XXXX ; ( XXXX ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation