BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: GA
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:
Date : XX/XX/21, XXXX XXXX, I have sent disputes to this company several times, and they are still holding inaccurate information on my reports. 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 an account without my written instructions. 15 U.S.C 1692C Without the prior consent if the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692g ( B ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 15 U.S. Code 1692b ( 2 ) not state that such consumer owes any debt. 

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. You sent me a copy of a bill you had no HIPPA RELEASE ATTACHED! I will use this in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2022-12-20
Company: EQUIFAX, INC.
State: GA
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 and Equifax has allowed XXXX XXXX XXXX report and account to my credit file that they dont own. According to the Fair Credit Reporting Act you have to own this account in order to report to anyones credit file. XXXX XXXX XXXX does not own this account and there it should be removed from my credit file immediately. Please have XXXX XXXX XXXX provide proof of ownership and I would like to see proof of ownership as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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:
accordance with the Fair Credit Reporting act XXXX  Account # XXXX for 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 my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: National Credit Systems,Inc.
State: GA
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 and XXXX has allowed National Credit Systems report and account to my credit file that they dont own. According to the Fair Credit Reporting Act you have to own this account in order to report to anyones credit file. National Credit Systems does not own this account and there it should be removed from my credit file immediately. Please have National Credit Systems provide proof of ownership and I would like to see proof of ownership as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Block, Inc.
State: NJ
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 have a cashapp account and the corresponding debit card. I began receiving notifications XX/XX/2022 that {$50.00} charges to my card were being declined because transactions on my card are turned off. I reported my card as compromised, and requested a new card, as I was advised to by CashApp. I still have not received the replacement card as of today XX/XX/2022. Cashapp provided me with a new 'virtual ' card number until my replacement card arrives, I have not yet used it anywhere. 

On XX/XX/2022, after I had cancelled my original debit card, and never used the new virtual card, Cashapp allowed one of the {$50.00} fraudulent transactions to complete. I waited for it to post, disputed it, and have still not received the monies back. I have contacted Cashapp and they will only tell me to contact the merchant, but will not give me the merchants contact information. My case was escalated to a 'manager ' who was no help and would not provide me any contact information for the merchant who is continuously trying to charge my card. 

The takeaway is that even if your card is reported as stolen/compromised and deactivated by cashapp they are still paying charges to the old card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am writing to file a formal complaint regarding the lack of response from XXXX, XXXX, and Experian, the XXXX major credit reporting agencies, to my disputes. As per my records, I sent a second letter to all three companies on XX/XX/2023, but it has been well over 30 days, and I have not received any response from any of them. 

This failure to acknowledge my disputes within the specified timeframe is a clear violation of my rights under 15 USC 1681 ( a ) ( 1 ) ( A ), which states that XXXX, XXXX, and Experian are obligated to respond to consumer disputes within 30 days. It is deeply concerning that none of these companies have taken the necessary steps to address my concerns and provide a timely resolution. 

To provide further evidence, I have included the tracking numbers from my certified mail for each respective company : - Experian : XXXX - XXXX XXXX XXXX : XXXX - XXXX XXXX XXXX XXXX : XXXX I request that the Consumer Financial Protection Bureau intervene and take appropriate action against XXXX, XXXX, and Experian for their failure to comply with federal regulations. I trust that your agency will investigate this matter thoroughly and ensure that my rights as a consumer are protected. 

I appreciate your attention to this complaint and look forward to a prompt resolution.

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 2022-12-20
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am going through some financial hardship because of my childs XXXX XXXX a few months ago. I tried getting into my XXXX syncrony account but it said my account doesnt exist or cant be registered. So I had to order a new one. Im hard of XXXX  and using the phone doesnt work for me, but they have no option for secured messaging. I finally got a hold of the customer service email and I explained my situation and that Im waiting on a new card and hoping itll work to register with.

I want to apply for financial hardship but I cant because the original card they sent me wont register, which means I cant apply for financial hardship and I cant do it over the phone because theres nothing compliant for the hearing issues I have. So instead of answering my emails I get several calls and emails and texts.

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 2022-12-20
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XXXX XXXX I clicked on the " XXXX '' in my XXXX list. I got a message on my screen that stated " possible fraud '' call XXXX. Over the XXXX  years that I had my Citibank accounts have seen that pop-up message XXXX  times. I called the number and the call was answered and stated " Citibank Security, XXXX ''. XXXX stated that he needed to check my accounts due to the possible fraud. Naturally, I thought I was talking to the real Citibank Security and I gave him my access code to my accounts. After XXXX  days, I realized something was wrong. By then the damage was done. My Savings account of {$300000.00} was stolen. I called the real Citibank to report the issue. The Citibank Fraud Department worked the issue. On XXXX XXXX I started receiving letters from the Citibank Fraud Department stating my claims to get my money back were denied. As of this date, XXXX XXXX, they are still denying my claims. I talked to a Lawer and was given the info for CFPB. The Lawer also stated that Citibank had to have Security issues that caused the fraudulent phone to be displayed when I clicked on the XXXX web site.

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 2023-11-06
Company: PLAZA HOME MORTGAGE, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Closing disclosure or other related disclosures

Complaint:
I applied for the purchase of a house for XXXX. At the time it was the best offer, so I qualified for the loan and got it. After the appraisal the loan officer found out it was worth a lot more money XXXX over and sent XXXX other inspectors. At this time I had already payed for my own inspector and he told me everything was in good shape and everything it needed was cosmetic. One of the inspectors he sent supposedly found mold under the kitchen sink and that that would cost $ XXXX to fix. The red flag was this inspector was also his contractor that would fix all the problems. Then the contractor offered to fix the mold problem on the weekend for $ XXXX. They found out that contractor didnt have a license so we had to get another contractor with a lot of qualifications and he sent another contractor charging exactly the same thing for the mold cleanup. All the cleaning it needs is bleach and kills paint. Total I had to pay extra at closing was $ XXXX for painting the outside trim paint the inside of the house replace the cabinets and a ten by ten pice of flooring. I had a quote from a contractor to do all that for $ XXXX. This contractor didnt meet all the credentials the bank was asking. I was also charged for a final inspection which didnt pass because the previous owners had left a mess and pictures and frames on the wall. I didnt have a key and the house wasnt mine yet to clean it. The loan took over three months to close and the interest went from seven to eight the loan officer added $ XXXX to my loan to keep it at seven.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This complaint is about my savings account with the online bank XXXX ( associated with XXXX Bank ) and their action of entirely blocking my access to the account ( including the online access ) without explaining the situation and refusing to provide me an expected resolution time. 
Here are now the details associated with this case. 
I found the online bank XXXX listed by XXXX as FDIC insured and with a very attractive savings rate and thus decided to apply for an account. Proceeded with the online application process and submitted all my requested personal data and then after more than a week the account was opened and got online access to it. Subsequently I funded my new XXXX savings account from other personal bank accounts using initial withdraw initiated by XXXX as also XXXX transfers initiated by me on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
End of XXXX I scheduled another XXXX transfer from my XXXX account at an amount well below my current balance. Start of XXXX I received an email from XXXX stating that my external transfer capability got suspended. Figuring out that actually my entire online access to the account was suspended I called the banks customer service. They told me that my account was undergoing verification but this can be accelerated if I provide a copy of my driver license and most recent statements for my external accounts used in the funding process. I provided immediately all requested documents, confirmed by the banks representative who also told me they will soon follow-up with a resolution. 
I continued to check for status updates almost on a daily base. My emails remain unanswered. When I call the customer service line they tell me to wait for completion of the verification, refusing to give me an expected time for resolution. When I ask to talk to a supervisor or XXXX XXXX turned down or simply hung up. Even for my request to get the latest bank statement or to have the account closed and funds returned I was turned down. 
Also want to mention that all online actions to XXXX are redirected to a XXXX XXXX  XXXX. The site also states that all deposit products are provided by XXXX Bank and accounts opened via XXXX are marketed by XXXX. I tried to call directly XXXX Bank customer service but they claim not to have access to XXXX accounts. 
Ive also attached emails received from the bank directing me to access the account online but then that access is blocked and all my requests for having it restored remain unanswered. 
Here I am after 3 weeks of being cut off from my own money and with no perspective for a resolution. After finding hints in the XXXX magazine about the CFPB office as a path for mitigation Im turning to you for support to get the access to my own money restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
by fcra rights and laws for my consumer protection i have not given trans union .XXXX  XXXX XXXX  i am requesting remedy for {$5000.00} plus removal permission to goto a third party and illegally furnish my bankruptcy in which the courts sent me a letter they do not and will not place a record on either reporting agency and they lied and responded fraudulently that the info was furnished by the courts itself this is not in truth, at this point i am asking remedy and seeking removal now no one has writes to do this to me take my personal business about my life and furnish it from any of these third party entities and lie ask them why the courts have proven they are in violations and they dare lied to you ask for evidence i already supplied attached to the previous reports

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 2023-03-13
Company: Accscient, LLC
State: GA
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:
15 USC 1681 Section 602 A States that I have the right to privacy 15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I had a loan with Wells Fargo. Becuase of covid, i requested extra time to pay. Thier customer service department agreed to it, however they reposossed my car shortly after agree to new terms. Thier customer service was horrible. They lied.

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 2022-12-20
Company: Credit Fresh Holdings Inc
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I am filing a complaint against Credit Fresh for operating a payroll loan service in the State of Arkansas and charging customers interest rates beyond the allowed limits in the State of Arkansas of 17 %. Also, under the Arkansas Law payday lenders are prohibited to loan money in state of Arkansas.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: PENTAGON FEDERAL CREDIT UNION
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/2022 XXXX calls to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX They said I had XXXX cards which I did not and even had charges on the XXXX card. I did not use the other card as rates were too high. They even charged me for not using the card after I had it cancelled in XX/XX/2022.

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 2022-12-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Wells Fargo i was denied mortgage help so much and was strung alone for years i would be asked to submit documents and i did and then i would be told that the document time period expired. 
A loan officer signed my name and husband 's name illegal to the correct names on our license on mortgage documents i have problems every time i call in a payment, i am belittled and put through so much stress now my payment is 4 times what it was 5 years ago and i have missed a payment i was told several times that the bank not to pay mortgage insurance and taxes, after being told that there was a procedure where the bank would pay mortgage taxes. I have a thick folder of complaints dating back several years and nothing has been done about it to date

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 2022-12-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is trying to collect money from me that I dont owe. I open up a business account I was told I had 7 days to return the phone if I decided to close the account the only thing I would be charged would be a restock of {$5000.00} for the phone. After thoroughly thinking I decided to return the phone and end the contract within the timeframe they gave me..I was charged the {$50.00} restock fee. I thought everything was over. I started getting letters that I owed over {$300.00}. I was shocked because I never made a phone call on the phone.I called and the representative told me where he saw that I returned the phone in the timeframe allowed and saw my {$5000.00} restock fee. I was even told they would have never accepted the {$50.00} restock fee if I didnt return the phone and cancel the contract within the timeframe. I was happy to her that. The representative said he will notate and I shouldnt get anymore letters concerning this. Well now I have a letter from a collection agency stating I owe XXXX XXXX XXXX {$300.00}.

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 explanation