BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I HAVE REQUESTED EQUIFAX TO DO A CREDIT REPORT UPDATE OVER 2 WEEKS AGO WHEN A I MADE LARGE PAYMENT TO XXXX ACCOUNT. THE BANK HAS ALREADY UPDATED MY BALANCE WITH THE 2 OTHER BUREAUS, I CANT IMAGINE THAT THEY PICK AND CHOOSE WHICH BUREAU TO UPDATE. I AM VERY WELL AWARE THAT BANK REPORT EVERY 30 DAYS BUT I NEED THIS TO BE UPDATED SOONER, SINCE I AM IN A MIDDLE OF A MORTGAGE TRANSACTION. I NEED EQUIFAX TO UPDATE MY BALANCE WITH XXXX. THEY ALREADY HAVE THE WRITTEN PROOF FROM XXXX I HONESTLY THINK THEY ARE DOING THIS ON PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Credit acceptance went and pulled my credit... .two times... 

XX/XX/XXXX and the XXXX... 

I asked the car dealership to stop the transaction... 

Because I has purchased a vehicle with cash... 

I did not need my credit pulled... 

They ( XXXX XXXX - XXXX Ga ) did it anyways... .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 2023-11-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: In progress
Consumer complaint received 2020-11-03
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Cash App should be XXXX XXXX. 

This app is a money eater. Transactions declined with no explanation. Can't add a payment method to withdraw balance with no explanation. Can't cash out my balance to an EXISTING payment method with no explanation. No error message telling me my account has been flagged and what to do about it -- it's just that the money goes in and then they cut off all ways of getting it out. 

This company has NO PHONE SUPPORT, so the best you can do is send an email and pray to XXXX a human gets back to you. I have {$150.00} tied up in Cash App right now and it's ALL THE MONEY I HAVE IN THE WORLD. This is the worst financial company on the planet. When I entrust a company with my money and they stop me from spending it, I GET XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I've sent certified letters stating that multiple inquiries weren't mine and was a victim of identity theft. Experian actually sent me mail stating that they would NOT remove the inquiries and started automatically returning my certified letters. 

I've enclosed a copy of the Identity Theft Report that I filed with my local Police Department and the Federal Trade Commission as well. It has been completely ignored. 

Creditor Name : XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Date : XXXX XX/XX/XXXX and XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : Credit Acceptance Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Center Date : XXXX XX/XX/XXXX Creditor Name : XXXX   XXXX XXXX  Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Na Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX Date : XXXX XX/XX/XXXX and XXXX XX/XX/XXXX Creditor Name : XXXX Co Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX  XXXX Date : XXXX XX/XX/XXXX and XXXX XX/XX/XXXX Creditor Name : XXXX XXXX  XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX  Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX Date : XXXX XX/XX/XXXX 2016

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Experian has violated my rights by claiming items are verified without proper investigation by law and knowingly and intentionally leaving false information on the credit report including but not limited to false names.

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 2023-01-23
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hello, My spouse and I claimed a XXXX XXXX Bankruptcy back in XX/XX/2015 and the discharge date was XX/XX/15. 

At the time of filing our lawyer who represented us stated that all student loans can not be XXXX unless a hardship could be approved. We specifically stated that we have private student loans through Navient and the response from the lawyer was the same. When the payments resumed for the private loans it was difficult for us to pay back as we had to go into a payment reduction agreement with Navient. 

Fast forward to now and I've recently learned from visiting the CFPB website that private loans indeed are different than regular federal loans and could be XXXX during a XXXX XXXX Bankruptcy from my understanding. 

I will attach documentation of the discharge papers along with the account numbers of the private student loans being referenced. Please advise on what are our options.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: Phoenix Financial Services LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon reviewing my credit report there is an collection account from Phoenix Financial Services which notes an {$85.00} medical. My credit report states this was open on XX/XX/2017, This debt and account is inaccurate and not mine. I have never received any written communication in reference to this account or any knowledge of this. I have not received any medical treatment on or around the date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently refinanced my mortgage with a new lender on XX/XX/XXXX, and my previous lender SPS , Inc. was paid in full on XX/XX/XXXX. My current city and county taxes were paid by my new lender, and a double payment was made by Select Portfolio Servicing , Inc.. It has been over 90 days for Select Portfolio Servicing , Inc to resolve this issue. I filed a dispute with Select Portfolio Servicing , Inc, and I was sent a letter stating the loan was paid in full and they could do nothing. I received this letter from XXXX XXXX in the Consumer Ombudsman Department at Select Portfolio Servicing , Inc. stating this issue was resolved. I had to contact the tax office for my escrow refund, but they are holding the funds as they can not send them to me directly. XXXX XXXX at Select Portfolio Servicing , Inc. has refused to contact me or the tax department to resolve this issue. I have repeatedly requested a phone call to explain my issue, and could most likely be resolved with a phone call by Select Portfolio Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: SC
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:
Equifax is reporting XXXX XXXX XXXX date opened XX/XX/2020 in the amount of {$310.00}. This information is incorrect. This is the date XXXX XXXX XXXX purchased the account from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit reporting act, XXXX XXXX  account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: MS
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've been going back and forward with the credit bureaus for over 6 months and have yet to see the results that I am demanding dealing with these unverifiable accounts that are reporting to my credit profile. My most recent letter was sent on XX/XX/2022 to each bureau and I have yet to hear back from them 45 days later. I asked them to verify these inaccurate accounts that are reporting to my profile and they have yet to provide the verification that I have requested several times. My next step is to take this matter to court. Please assist me with this issue due to these accounts being a direct violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sweep Regular I'm sending you this complaint to let you know that I was a victim of identity theft. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with XXXX XXXX XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Please take the following items away : XXXX XXXX XXXX XXXX, IL XXXX XXXX IL XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX IN CO ) XXXX Balance : {$410.00} XXXXXXXX XXXX XXXXXX/XX/2021 XXXX XXXXXX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following 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 2023-11-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: In progress
Consumer complaint received 2023-06-15
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I saw a hot tub on XXXX XXXX XXXX. I chatted with the seller. I decided to take a look at it. The seller requested a {$500.00} hold for the item because they " had several people wanting to look for it. '' They requested a payment through PayPal through a Friend Account to transfer the money. 

I fell for it and paid the money using my XXXX Credit Card to put a hold on the hot tub. As soon as I submitted the money, I could tell it was fishy because the name of the seller ( XXXX XXXX XXXX ) was different than who I was chatting with ( XXXX XXXX ). Plus, the person on the other end kept erasing their conversation. Luckily, I took a screenshot of the product. 

I immediately got a hold of PayPal. Even though this is a common scam, they would not put a hold on the money. 

I filed a complaint with XXXX XXXX  ( Case ID : XXXX ) but received a letter notifying me that because I used the " Friend and Family '' option, I am responsible for the loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: UMPQUA HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have had a checking account with this bank for about 2 years now, and seemed to have no problems with anything. However, I went to open a savings account recently (XX/XX/XXXX ), and could no longer access my bank account online. All of my accounts with this bank are currently locked and frozen. I called the online banking customer service number by phone and all they could tell me was that I needed to visit a local branch to verify my identity. However, I do not have a local branch. It has been more than four months now that I have not had access to the money in my accounts that total well over {$2000.00} at this point. I have not been able to pay all of my bills due to my money being held up like this. I do not care if I keep the accounts at this point, I just want my money back. It looks like I will be resorting to XXXX, XXXX, CFPB and local state attorney general complaints until I can get this problem resolved. I would not recommend for anyone to do business with this bank as they will attempt to do nothing but steal your money outright. If there was a problem with my savings account application, then the account should have simply been denied, versus you taking {$2000.00} via my XXXX XXXX XXXX debit card out of my external bank account to fund it, and then freezing all of my accounts at your bank. I know that I provided all my correct information on my applications, and even received a paper account statement recently at my home address, so I know that my address is correct. Please let me know how I can gain account access at this time, withdraw my funds, and close my accounts with your bank.

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 2020-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone called and made false claims on ATM transactions on XX/XX/XXXX and XXXX and temporary credit was added to my account. Those same two days, {$2500.00} on XX/XX/XXXX, {$2500.00} and {$5300.00} on XX/XX/XXXX was taken out of my account. I was told someone had to have called and confirmed they were me, I received no calls or emails on fraud alert. When the initial ATM claims were investigated and closed, the bank withdrew the amounts that were temporarily added, out of my account, but since someone withdrew those amounts, my accounts went negative and thats when I realized this happened, and called on XX/XX/XXXX. I have now opened 3 fraud claims and they were closed, so I had them reopened. Im sending in documents that show I had class that day so I was on XXXX  class from XXXX and XXXX and I have multiple eyewitnesses who saw me throughout the day, two eyewitnesses I was with all day, the first with me from XXXX and the other I was with from XXXX and then I worked at XXXX. I am in the process of obtaining those records and documents to try and prove I was in XXXX Tx that entire day and not in XXXX where the ATM fraud occurred. They have not been able to show me any ATM or bank footage which could prove it was not me. They wont look at the number or call records that called in to the bank as me and made false claims and edited my account settings, which would clearly not be my voice or phone number.

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 2021-01-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Although I have never done business with XXXX XXXX XXXX XXXX. XXXX Credit Card and have opted out, Experian continues to allow XXXX XXXX XXXX to check my credit on XX/XX/2021 without a permissible purpose. Experian does not allow disputes on soft inquiries and upon calling, the automated call does not allow consumers to speak to a representative. I waited on hold last night for over 15 minutes and then hung up on.

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 2018-02-10
Company: EQUIFAX, 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:
Advised all three credit bureaus on numerous time that I am a victim of identity theft and need accounts removed from my credit files and its been over a year and they are still reporting invalidly on the following accounts : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX these accounts need to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Someone applied for a XXXX credit Card using my social security number. I NEVER applied for it on XX/XX/2023.

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 2023-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I DISCOVERED THAT SOMEONE OPEN A CREDIT CARD ACCOUNT WITH MY PERSONAL INFORMATION XX/XX/2023, I REACHED OUT TO CAPTIAL ONE FRUAD DEPARTMENT AND THEY SAID THEY WILL DO A INVESTAGATION WHICH HAVE NOT BEEN CONDUCTED IN A MANNER FOR MY SAFETY AND PROTECTION, THEY CALLED ME, EXCUSE ME THEY HARASSED ME AND INSIST THAT I GAVE THEM INFORMATION I DONT HAVE .. ALSO I ADDRESS THAT I WILL LIKE TO HANDLE EVERYTHING IN WRITING SO NOTHING WILL BE USED AGAINST ME. THEY WAS VERY RUDE IN A SENSE THAT I WAS BEING ACCUSED AND ATTACK FOR MAKING A CLAIM...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: MS
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:
I DID NOT PROVIDE MY PERMISSION FOR THESE ACCOUNTS TO BE AUTHORIZED OR TO GET ADVANTAGES FROM THEM.

Company response to consumer: Closed with explanation