BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-27
Company: Phoenix Financial Services LLC
State: NJ
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:
consumer financial helped me two months ago and removed a old debt and a collection agency off my credit i made the complaint and the collection company removed them self off the report since XX/XX/XXXX anothe collection company pheonix financial solutions bought the debt and reported it new on my credit report when original bill was XX/XX/XXXX. the statue of limitations ran out XX/XX/XXXX. I would like this removed since the prior collection agency debt recovery services, did not have the discovery or validation of the debt i'm pretty sure that this pheonix doesnt have any paper work either since they bought a 6 year old debt that wasn't even valid from XXXX. Can you please help me and het this debt removed off my credit report its illegal what Pheonix is doing they know its a 6 year old debt and they are reporting it as new its lowered my score i have r1 credit please help you were so helpful last time, Thank you for your time, Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have a Chime account and have use Chime 's referral program to make referrals to my friends for opening their new Chime accounts. I know for sure that so far 6 of my friends have opened their Chime accounts and also have made at least {$200.00} direct deposit ( each person ) into their Chime accounts. Based on Chime 's referral program, I should receive {$100.00} referral bonus per person and so I should have received at least {$600.00} referral bonus now. However, so far I have only received total {$300.00} referral bonus. I reported this missing referral bonus issue to Chime customer service, but this issue has not been resolved yet. 

I request Chime to post the missing {$300.00} referral bonus to my Chime account immediately without any further delay. For Chime 's info, one of my referred friends is XXXX XXXX XXXX name ) and his email address is XXXX Again, I request Chime to post the missing {$300.00} referral bonus to my Chime account immediately without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX- XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. All these transactions occurred on the same date XX/XX/XXXX. I contacted Cashapp several times through their app and they refused to refund the money that was taken from both of my accounts due to the scam. I contacted XXXX regarding both of my checking accounts that were connected to my XXXX cashapp accounts and they refused to refund the money that was stolen due to the scam. I was told since they were my accounts and I've done transactions in the past they denied my request despite how I told them the process that the scammer used to get into my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello my name is XXXX XXXX I have submitted to the agencies over and over again about my personal information.The only address should be on file is XXXX XXXX XXXX  XXXX Nc XXXX. There's no other spelling in my name besides the one above.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
XX/XX/2019 a fraudulent charged of XXXX appeared on my bill, which happened at a grocery store, which I frequent weekly, including the day before this Fraud. Have appealed this Fraud with Bank Of America MasterCard twice, and been denied twice. B of A MasterCard continues to deny their POS or memory was hacked, and have charged me.

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 2023-05-16
Company: EQUIFAX, INC.
State: MD
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$21000.00}, and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian will not freeze my credit report. I have now tried calling them ( busy signal ) - and the website refuses to place a hold. I am ready to pay.

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 2021-04-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
With Chase Bank I tried to have them unlock my checking account and they told me that the account had been closed I asked them why they said they could not tell me. But after 10 days they would send me my funds that were available

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: EQUIFAX, INC.
State: IN
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 called XXXX  and I went over my credit report with them showing them about the charge offs on credit cards that were closed display and accurate information and negatively impacting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: EQUIFAX, INC.
State: NJ
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 sent a letter to XXXX Equifax, and XXXX on dates XX/XX/XXXX and another following letter XX/XX/XXXX. All negative activity removed from all three credit bureaus. Equifax, XXXX, and XXXX are not complying with their own policies in a timely manner. 

Also address and name should be updated only to XXXX XXXX XXXX XXXX always confirming middle intial ) XXXX XXXX XXXX. 
XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. 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, ( Original Creditor : ), XXXX. 
Company Inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 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 2020-01-30
Company: PLANET HOME LENDING, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I would like to get rid of the PMI insurance on my mortgage as my mortgage is nearly 20 % paid off. 

I attempted to do this several years ago and was told there was no way to do it until it was 20 % paid ( despite the value of the home FAR exceeding the ratio required to drop ). 

Planet Home Lending has made it as difficult as possible to gain any information about doing this. Reading now it looks as though I likely could have dropped the PMI if I got the home assessed, but they never disclosed that in my communications with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: WELLS FARGO & COMPANY
State: FL
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:
I opened a secured card several years ago with Wells Fargo for {$1000.00}. I closed the account on XX/XX/XXXX with a {$0.00} balance and they said my deposit should be returned within 30 days. I still haven't received my deposit back. I'd like the CFPB to intervene and instruct them to return my deposit that is rightfully due.

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 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 sent a letter to XXXX XXXX, and TransUnion on dates XX/XX/XXXX and another following letter XX/XX/XXXX. All negative activity removed from all three credit bureaus. XXXX, TransUnion, and XXXX are not complying with their own policies in a timely manner. 

Also address and name should be updated only to XXXX XXXX XXXX XXXX always confirming middle intial ) XXXX XXXX XXXX. 
XXXX, NJ 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 2022-12-04
Company: Experian Information Solutions Inc.
State: NV
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:
Have several accounts that I have never been late on and they are being reported as being late and closed.

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 2021-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In XXXX, I filed a dispute with Transunion about the unverified account :XX/XX/XXXX Account number XXXX, XXXX XXXX. I have asked numerous times for a response and I have not received anything in response from these bureaus in over 60 days.. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about violation as of today. Thank you

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 2021-05-19
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:
1. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX Date of inquiry : XX/XX/2021 Please delete it from my credit report. 

XXXX. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX Date of inquiry : XX/XX/2021 Please delete it from my credit report. 

3. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please delete it from my credit report. 

4. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX  XXXX Date of inquiry : XX/XX/2021 Please delete it from my credit report. 

5. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX  Date of inquiry : XX/XX/2021 Please delete it from my credit report.

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 2019-08-29
Company: Experian Information Solutions 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:
experian added back student loan due to id thef -- stated i disputed in XX/XX/2019 with experian, i have not submitted a disuputed with XXXX or any other student loan lender in over 6 months or Experian these need to be removed as fraud i provided a police report before and now it is back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25
Company: EQUIFAX, INC.
State: OR
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:
Credit reporting companies allow accounts that have nothing to do with credit be placed on credit reports. XXXX should not be allowed to report to a credit report because they offer services and not consumer loans or any form of credit, like credit cards..etc. I ask that XXXX remove the account from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: ERC
State: OR
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:
Credit reporting companies allow accounts that have nothing to do with credit be placed on credit reports. XXXX should not be allowed to report to a credit report because they offer services and not consumer loans or any form of credit, like credit cards..etc. I ask that XXXX  remove the account from XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: AL
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:
all inquiries from XXXX XXXXXXXX and XXXX XXXX  are fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE NEVER DONE BUSINESS WITH DIVERSIFIED CONSULTNTS # XXXX****. I FILE A REPORT EARLY THIS PAST SUMMER PLEASE DELETE THIS UNKNOWN ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Since XX/XX/XXXXXXXX, my father has been sending automatic payments to me using Cashapp. Unfortunately, the cash account he was sending to was no longer in use. unknown to me, when I updated my cash app name XXXX and updated my phone number, this set up a new account. Because my old account was set up for an instant deposit to my still in use and current bank, I thought nothing of it. Also, my current cash app account, indicates that I joined in XXXX which is the join date under my old cash app name. I would have not thought my update created an altogether new account. It wasn't until my father inquired with me if I had been receiving the money he was sending that we realized that it was going to the old cash app handle name. When I reached out to the cash app regarding this issue and after several emails, their only resolve for me was to inform me that my old account had a zero balance and my only option is to shut down my current account and regain access to the old one. I then had my father confirm with his bank that the funds he had been sending since XXXX, were and are in fact being sent to Cashapp. It has been upwards of 30 days and no one at Cashapp can tell us where my father 's money is or has gone. We are seeking assistance in tracking the funds and returning these funds to the initial sender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: ID Analytics, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was solicited to open a charge card through XXXX  a company that I have dealt with for several years. When I was rejected, I got a letter from XXXX XXXX  on XX/XX/2019 and it was reported from SAGESTREAM , LLC had submitted information I was deceased. I have tried to contact Sagestream at least 10 times and I only get an answering machine with the message they will call me back but they never do. I submitted a request for a credit report from their company online twice and I have not received it. I sent them a letter along with a copy of my driver 's license requesting that they fix the error and the only thing that I got back from them is a letter that they received my correspondence and a copy of my rights.

Company response to consumer: Closed with explanation