BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
Company: Block, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I filed a complaint with cash app on some unauthorized transactions they state that they gave me a number to call on the XXXX of XXXX when I dialed that number nobody answered it and it told me to go to the website to dispute any transactions which I did and cash app is trying to say I did not respond to the requirements which I did and I need my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hi my name is XXXX XXXX. I am a refugee from XXXX. I have lived here in XXXX Washington for 7 years and I speak little English. 
I have not received my tax refund, stimulant checks and child tax credits for 2020. US back was my former bank, then I closed my account because USBank kept charging me fees that I didn't know of. One month before I closed my account with US bank. I went to US bank branch to get a direct deposit form for my refund and the receptionist gave me some else 's check that I could use but at the time I though it was my check and due too my small English I didn't read to check if it was really my check but I took a picture of it. I gave the account number and routing number to the tax agent to file my 2020 tax refund. It has been two years and I still haven't got my money. I have reached out to the bank many times but they alway come up with excuses. I have filled claims with the IRS but they keep telling me that bank has to respond to them. One day I asked the bank to tack where the money went, and they actually confirmed that it went to some else. This issue has been driving me crazy because I am XXXX XXXX  who doesn't know English US bank expects me to just give up.

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 2022-10-25
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: Credit inquiries on your report that you don't recognize

Complaint:
There has been some reports on my credit score that i do not recognize. 

XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, 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 2023-03-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Experian Information Solutions Inc.
State: NV
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 some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-11
Company: Rocket Mortgage, LLC
State: PA
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:
Rocket mortgage pull my credit without my consent and made a hard inquiry which lowered my credit score significantly. 

Date of unauthorized pull : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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:
I discovered that the same account on my credit report was misleading. The 3 credit bureaus require to validate this account. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and updated : XXXX XXXX XXXX : {$20000.00}

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 2023-03-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 
XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-25
Company: SANTANDER HOLDINGS USA, INC.
State: MO
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:
According to the law 15 U.S. Code 1681 b - Permissible purpose of consumer reports, A consumer reporting agency can not furnish a account without my written instructions is considered Indentity theft. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I received a copy of my credit report and found the following items to be INACCURATE and has violated my rights XXXX : XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX : XXXX XXXXXXXX Account number XXXX XXXX : XXXXXXXX XXXXXXXX Account number XXXX XXXX : SanTander Comsumer Usa Account number XXXX XXXX : XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX : XXXX XXXX  Account number XXXX XXXX XXXX : XXXX XXXX  Account number XXXX XXXX : XXXX XXXX  Account number XXXX XXXX : XXXX  Account number XXXX XXXX : XXXX XXXX XXXX, XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX : XXXX XXXXXXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was tried to get 4 phones with service with XXXX online, But I never get the phone and/or Services from them. Two months later they sent my a bill. I try to call them, and they told me they can't access my account. then they sent it to a collecting agency. XXXX is a scam, sent you a bill with an account that they can't access, and just want you to paid it.

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 2022-12-29
Company: EQUIFAX, INC.
State: AR
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} - Please validate this account 's status and payment history for me. I think the information being reported by this account is false. I always make my payments on time, so I never had a late payment on this account. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Nationwide Recovery Systems, Ltd
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Nationwide Recovery Systems is reporting {$1000.00} in collections on a medical debt that is falsely representing the actual amount. During Covid, I was severely ill and was transported to a nearby emergency room via ambulance and then the health insurance company paid the obligatory amount to the ambulance service providers. However, the ambulance services company billed 3x the amount customarily paid for these services. I am a student and Nationwide Recovery Systems, as a collection agency, has negatively affected my credit score and never provided me with the validation or appropriate documentation substantiating the debt. Due to this false representation of my credit history, it is severely impacting my ability to obtain credit. I would like Nationwide Recovery Systems to delete all credit reporting delinquencies on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan transferred from XXXX XXXX XXXX to Shellpoint Mortgage in XXXX, XXXX. However, not all of the funds in my Escrow made it to the second servicer during this transfer process. The second servicer, Shellpoint, claims that the first servicer, XXXX, paid my property taxes before the transfer. But, the first servicer expressly denies doing so. Even their year-end 1098 statement says property tax payments were {$0.00}. So, I'm in a catch XXXX here. XXXX claims they sent $ XXXX to Shellpoint. And Shellpoint claims they received only $ XXXX. Lost {$6000.00} in Escrow with neither parties willing to help me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received an offer in the mail from citibank. They offered {$1500.00} for opening a checking account and depositing at least {$200000.00}. I opened an account at the local branch in XXXX XXXX. I deposited more than {$200000.00}. Also signed up for electronic statements. Now almost a year later I have not received any bonus. I am unable to get through with anyone on the phone. In an online chat they said I would receive it in XXXX XXXX. That did not happen.

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 2022-12-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
i have the experian app on my XXXX  wich i can check all my credit report history there i even call today to experian customer support XX/XX/XXXX and ask experian if this is a ligitament app from you guys wich is experian the reprensetive saids yes it is a accurate score on there i said ok, for the past year i check this app day by day to fix my credit and monitor it my self.around the year XXXX i was financing a XXXX car thru XXXX XXXX XXXX  around XXXX i dont have exactly the dates i got the XXXX  XXXX repo.today wich is XX/XX/XXXX i check my credit and is been few years and is on my credit report need it dispute because is charge or paid off.Now to me this what i am about to explain i think is not right.I am driving a XXXX XXXX XXXX that has XXXX miles on it and is not a safe car to drive i wana get a new car. i went to XXXX XXXX and i told the sale man, what i have to do i have a XXXX score he said i can get you a good XXXX with that score but he said i have check your credit score i said i cant run my credit am fixing it anyway i let him run my credit because he didnt wana do anything i was asking him to do.i let him run my credit it came up as XXXX credit score thru his third company wich is XXXX XXXX. when my credit score today with all three credit bureaus XXXX wich is XXXX experian XXXX my score is XXXX XXXX and XXXX with XXXX as of XX/XX/XXXX. the saleman was ready to trade my XXXXXXXX XXXX XXXX  for a newer car and i couldnt get the car because my credit score with him came back as XXXX is my credit score different fom all three bureaus and his third party. how does that work.the dealership score card is fico auto XXXX but the source is experian.i dont understand and i think this is wrong.

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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am trying to update a phone number in my transition account and have been told that the only way to do this is to mail in my request and it will take 7-10 to process. I find this to be completely ridiculous

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 2019-08-08
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: Public record information inaccurate

Complaint:
Inaccurate items reporting on 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 2018-11-29
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have not received any confirmation on how you have verified the alleged accounts attached in my Exhibit of the credit report and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would proudly present in court if needed as supporting evidence of my trying to rectify the subterfuge that you are reporting

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 2017-08-12
Company: EQUIFAX, 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 shocked when I reviewed my credit report and found items that are not mine that are being reported to all three credit bureaus. I have never lived at this or any other apartment in the last 20 years. Creditor : XXXX XXXX Account # : XXXX I have always paid my bills on time. I am victim of identity theft and want this item off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
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 shocked when I reviewed my credit report and found items that are not mine that are being reported to all three credit bureaus. I have never lived at this or any other apartment in the last 20 years. Creditor : XXXX XXXX Account # : XXXX I have always paid my bills on time. I am victim of identity theft and want this item off my 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 2022-10-25
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I used my Citibank XXXX XXXX XXXX to purchase new XXXX XXXX for myself and my wife. I received no fraud alert during the purchase. However, upon attempting to activate said card for mobile payments I was told that this was a fraudulent request. They told me that they would be unable to verify my identity because I did not have other Citibank accounts, and that unless I was willing to open new Citibank accounts I would not be able to use my card as I intend. 

What bothers me is that no fraud alert was issued when I used their card to spend over {$2000.00} - but that attempting to register the card on a separate device ( that may charge a lower " swipe-fee '' than they are able to charge on their own ) triggered the alert. Additionally, their only method of verifying identity is having additional accounts with their 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