BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried solving this issue with XXXX XXXX and the three major credit reporting agencies before. XXXX has already deleted the account for violation of federal laws but Experian and XXXX continue reporting. I am attaching the updated and new information, also : XXXX financial was deleted from XXXX because in fact, they are violating federal law, by reporting negative information and treating payment as late when they cant pursuant to 15 USC 1666b. I WAS NEVER LATE. You can see the inconsistencies between the updated reports from Experian and XXXX. 
How can both credit reporting agencies have verified and validated the information when THERE ARE SO MANY DIFFERENCES. how can a so-called late payment be late 60 days without being 30 days first, how come the same creditor provide so different information across Experian and XXXX, XXXX XXXX has deleted it. They all might have different investigation processes, however, the information sent to them HAS TO BE THE SAME, OR AM I CRAZY? 
THIS NEEDS TO BE DELETED IMMEDIATELY FROM MY REPORTS. THIS IS DEFAMATION OF MY CHARACTER! 
I have requested plenty of times before for Ally financial to send me the history of payments, the ledger, EVERYTHING used to " validate '' this account, and the " accuracy '' of said payments AND I AM STILL WAITING FOR IT!!!!!!!! Everyone has wiped their rear end with my demands, everyone is still violating the XXXX federal laws, and here I am the federally protected consumer hurting and being affected not only financially but emotionally and NO ONE DOES THE RIGHT THING, NOR WHAT IS REQUIRED BY THE LAW

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 2017-09-08
Company: Social Finance, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I would like to start this letter off by, first of all, thanking your company for the great service that Ive experienced as a consumer. I have been a very dedicated customer and am now in need of your help.I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX I did a wire transfer of {$18000.00} from XXXX XXXX  to Gemini, but I realized that was a scam/fraud in XX/XX/2021, and submitted a recall on my bank right the way, my bank also tried multiple times to recall the money back from Gemini, but they never responded. It's been almost one month now, still no responses from Gemini. If they can response right the way when I reported on XX/XX/2021, it should be an easy return, But they never do anything until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
On XXXX XXXX, XXXX Equifax learned of a large scale breach into mine and other consumer 's information through a database breach. This information pointed to the fact that Equifax had leaked much of mine and other American consumers personal data, including social security numbers, date of birth, and even credit card numbers and other personal information. 

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Immediately following my discovery of the breach ( XXXX XXXX, XXXX ) I placed a 90 day fraud alert on my account through Equifax. This is already two months after the breach occurred, however, which leaves plenty of time for a hacker to have used my information to open credit cards in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy chapter XXXX, Reference # XXXX ( XXXX, Transunion ), Bankruptcy chapter XXXX, Reference # XXXX ( XXXX, XXXX, Transunion ), Bankruptcy chapter XXXX, Reference # XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX   XXXX XXXX, Account # XXXX ( XXXX, XXXX, Transunion ), XXXX   XXXX, Account # XXXX ( XXXX, XXXX  ), XXXX XXXX XXXX, Account # XXXX ( XXXX ), XXXX XXXX, Account # XXXX ( XXXX ), XXXX XXXX XXXX XXXX, Account # XXXX ( XXXX ), XXXX XXXX XXXX XXXX, Account # XXXX ( XXXX, Transunion ), XXXX XXXX  IL, Account # XXXX { Transunion ), XXXX XXXX, Account # XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX, Account # XXXX ( XXXX, XXXX, Transunion ).

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 2019-10-16
Company: U.S. BANCORP
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
CREDIT CARD ENDING IN # XXXX BY XXXX, SINCE XX/XX/2019 XXXX REFUSED CLOSING ACCOUNT!! I WAS TOLD ON NUMEROUS CONTACT WITH XXXX THAT THIS CARD/ACCOUNT REMAINS UNDER REVIEW!! ON XX/XX/2019 I REPORTED THAT CARD/XXXX WAS LOST/STOLEN!!

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 2018-08-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX AND XXXX I SUBMITTED DISPUTES TO EQUIFAX TO AMEND THE CREDIT REPORT INFORMATION FOR 4 ACCOUNTS XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) AS OF LAST COMPLAINT I FILED WITH YOUR COMPANY THEY ADVISED THEY NEEDED ME TO FILE DISPUTES WHICH I HAD ALREADY COMPLETED SO I RE-FILED THE DISPUTES AND AM REFILING THE COMPLAINT WITH YOUR AGENCY IN HOPES THE CORRECTIONS WILL BE MADE. THE OTHER TO CREDIT AGENCIES HAVE AMENDED THEIR FILES, XXXX AND XXXX. 

Date Major Delinquency First Reported SHOWS AND I WAS NEVER DELINQUENT ON A PAYMENT, PER CHAPTER XXXX BK, I WAS NEVER LATE ON A PAYMENT AND ATTORNEY ADVISED ME TO HAVE THIS DEROGATORY REMARK REMOVED. 
PLEASE DO SO IMMEDIATELY. :

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote 2 letters, one on XX/XX/18 and another on XX/XX/18, asking for the company to send me the contract I signed with them. I asked for documented proof, such as a contract with signature, for the alleged debt that they state is mine. I have received no proof as of yet. I have also asked them to send me their license and bond information to ensure that they are licensed to collect in the State of Texas. I have not received that either. It's been almost 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
When we got modification in 2015, during process I lost my job, but my small income was included to modification process. After we received modification, I told SPS that I lost my job and considered to recalculate our payment, but agent told me to either take SPS offer or sell home. We wanted to save our house, and we had tried to pay mortgage every month. 
Our mortgage got behind again about 2~3 months payments this year, and currently I still do not have job because I need to take care of XXXX children, it is not easy for XXXX and woman who is getting old to find a job. My husband has XXXX XXXX on his XXXX and limited mobility, but trying to pay mortgage. So SPS suggested to apply modification again, and I submitted all of documents around XXXX and XXXX and waited for response. SPS kept calling and left agent 's name and phone number almost every day, but they did not leave any detail. I called SPS to find out the result, but when I called in XXXX, they told me that they did not receive some documents which I submitted through email, and bank statements were old which was current when I submitted in XXXX. SPS never give me any update of modification and I only received every day phone call. I was told from a lawyer I found on some website, and he told me that SPS will never work with you to modify our mortgage. I was terrified. I want to keep our house and I don't know what to do with our limited income. Please help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: RFNA, LP
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:
I filed a dispute on XX/XX/18 and XX/XX/18. They both stated that the information reported to them was accurate but I submitted checks that were written and cashed by the company during that time that were not updated on the report. I also sent confirmation of the original creditor never sending me to collections. They also had the wrong payment dates and amounts. Nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX at around XXXX XXXX I deposited a check for {$1600.00}, that was issued to me by a web company I had done some work for. The next day, XX/XX/XXXX, I tried to transfer funds into my son 's High School checking account, but was unable to do so. I then called Chase bank 's customer service number ( XXXX ) to ask why this was the case and was informed that a restriction had been placed on my account and was transferred over their Fraud Department. I then proceeded in speaking with a rep who told me they had to wait for the check to clear or get verified before my account could be accessed, but no further information was provided. I wasn't worried at that point because I knew it was standard operating procedure. The next day, Friday, XX/XX/XXXX, I logged in to check for my payroll direct deposit which usually comes through every 2 weeks, and did not see any credits into my account. As soon as I could, I called Chase customer service again to find out if there were any pending credits, and once again was transferred to the Fraud department, and this time received more information about how even my direct deposit was blocked from going through - AND whatever available funds I had in my account prior to the check deposit on XX/XX/XXXX was being held from me without any access to it whatsoever leaving me stranded over the weekend without any money whatsoever. I understand the whole process of putting a hold on funds against a check with questionable validity but to restrict an entire account with verified and available funds that had been sitting there AND to block a direct deposit from going through is just wrong. You are punishing your customer for something you deem fraudulent without any form of recourse. I would at least expect access to my money with the exception of the funds being held. I was told I needed to wait for an additional 2 business days and if there was no resolution to the case, the account would be closed within 10 days. Why are you punishing your customer for something I had no hand in, nor knowledge of? I deposited a check for work I performed because the bank the check is drawn from is not local to me, and because I only bank with Chase, I have no other way of negotiating the check except to deposit it into my account. How do I even correct this? Someone please explain how what you just did is legal. I just would like access to my own verified funds and my direct deposit to go through. I have bills outstanding that have to be paid. They should have looked at the history of my account and seen that it has always been and consistently used for legitimate purposes. If you must, place a hold on the funds for the amount of the deposited check but to put my account on full lockdown is beyond me. I didn't get any notifications or alerts that Chase was going to restrict this account, and I am appalled they would leave their customer stuck like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have about $ XXXX in consolidated loans with Navient. My monthly payment is {$200.00} which covers the interest and very minimal principal. I've been paying for years now with an extra {$100.00} per month going straight to principal and my balance hasn't even gone down {$1000.00} which doesn't seem right. I've contacted them several times and they keep telling me some months interest is higher because there are more days ... They have never once explained to me why they aren't doing simple math as normal banks and other loan servicers due. They are definitely not applying my payments correctly and taking advantage of me. I don't know if it's on purpose or by accident but they have yet to correct their mistake, and I alerted them about 2 years ago. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
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:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy chapter XXXX-XXXX, Reference # XXXX ( Experian, XXXX  ), Bankruptcy chapter XXXX, Reference # XXXX ( Experian, XXXX, XXXX ), Bankruptcy chapter XXXX, Reference # XXXX ( Experian, XXXX, XXXX ), XXXX XXXX   XXXX XXXX, Account # XXXX ( Experian, XXXX, XXXX ), XXXX   XXXX, Account # XXXX ( Experian, XXXX ), XXXX XXXX XXXX, Account # XXXX ( XXXX ), XXXX XXXX, Account # XXXX ( XXXX ), XXXX XXXX XXXX XXXX, Account # XXXX ( XXXX ), XXXX XXXX XXXX XXXX, Account # XXXX ( XXXX, XXXX ), XXXX XXXX IL, Account # XXXX { XXXX ), XXXX XXXX, Account # XXXX ( XXXX, Experian, XXXX  ), XXXX XXXX, Account # XXXX ( XXXX, Experian, XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I deposited a Cashiers Check in the amount of {$25000.00}. The bank made {$5000.00} available but put a hold for the remaining {$19000.00}. The hold is until XX/XX/XXXX. However, I called the issuing bank and they stated that the funds cleared on XX/XX/XXXX. This means that Bank of America has my money but will not release it to me. This is unethical. They are making money off my deposit while I am in debt and have zero financial resources. This is an abuse of their power and excessive to say the least.

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 2022-01-05
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: ADP Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Wisely by Adp Prepaid a Services who was formerly Global Cash Card, blocked my deposited 2021 Tax Refund, and I'm not able to access my funds. They communicated to me I must tell them a Security Phrase, that I never set up with them for the account, or upload my Social Security Card and Identification Card Documents to them through a link they texted to me, in order to access my funds from my account. I communicated to them, that I'm not comfortable sharing that type of information, due to it's sensitive, and they stated they can't release my funds until I do so. Please assist me in coming to a immediate resolution. A copy of the link they texted me, so that I can upload my Social Security Card and Identification is attached below. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions 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:
XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX  has violated this law because this late payment is reporting on Experian and XXXX. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX XXXX  has violated this law because this late payment reporting on Experian and XXXX is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX has violated this law because they furnished this EXPERIENCE to Experian and XXXX and I didnt give them permission to do so.

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 2017-10-20
Company: EQUIFAX, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
I tried using the XXXX system to get credit reports online from Equifax for my wife and myself today and a year ago. The Equifax site returned : " Online Delivery Unavailable. We are not able to deliver your free Equifax Annual Credit Report online. '' along with info to mail a form to get the report mailed to me. 
I was able to get online reports from XXXX ( today XXXX & XXXX in XXXX. 
Equifax should tell us why our reports are not available online.

Company response to consumer: Closed with explanation