BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: EQUIFAX, 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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$17000.00} US DEPT ED XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX Balance : {$17000.00} US DEPT ED XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/22, while checking my account online, I discovered 8 charges on my BJs Perks Mastercard that I did not make. I immediately called the number on my card ( XXXX ) XXXX ) to report the charges and was on hold for over 20 minutes and never spoke with a customer service representative. I also contacted them through the secure message center, explained the problem and uploaded an attachment of the 8 unauthorized charges. I received a form letter response asking me their " Account Protection team '' by phone at XXXX. I have called both numbers at multiple times since and each time was on very lengthy holds without ever speaking to a person. I sent another message through the online message system, letting them know I tried to call many times but could not talk with anyone to resolve the issue, and provided my phone number for them to call me. I got the same form letter response asking me their " Account Protection team '' by phone at XXXX. Again, I've made multiple attempts to contact them with no answer. 

The 8 charges were all made on XX/XX/22 All appear on statement as " My Bj 'S Perks XXXX XXXX XXXX, FL '' Amounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not make these charges. I have uploaded a screen shot of these charges on my account. I am extremely frustrated by the non-existent customer service for this credit card ( issued by Comenity Bank ) and at a loss for how to resolve this. My account is in good standing and I pay it off each month. I am worried this will affect my credit score. I was able to lock the cards on the account. I want to have these charges removed and close my account ASAP. I have uploaded attachments of my correspondence within their messaging system. Thank you very much for your help and attention to this matter. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-07
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was being charged for " data time '' for which I was trying to recover a hacked account. The scammers used CashApp as well as XXXX and other platforms to scam me with the promise of doubling my money, which was never what I was looking for. I wanted to recover my hacked account. It turned into holding my money as hostage against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 Transunion more than 21 times. transunion 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 XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help.

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 2023-03-09
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:
My credit report is loaded with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting. The Fair Credit Reporting Act gives me the right to contest any information on my credit report that I believe is inaccurate. I want the following inaccurate items to be disputed and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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 these companies has violated my rights and have been reporting WITHOUT my consent. 

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 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 An 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. 


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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Netspend Corporation
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX and XXXX XXXX claimed to be leasing agents saying if I paid the {$3200.00} I would get keys to the apartment at the XXXX  XXXX XXXX XXXX in XXXX. After I paid the money I never got the keys

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 2023-08-07
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Chase offers a service called My Chase Plan that allows you to pay off a charge over time. They charge a monthly fee up front and once you commit to the plan it can not be canceled or paid off early without paying the full fee. I set up a 12 month plan for a dental expense I had charged XX/XX/XXXX for {$1200.00}. The fees were {$100.00} ( {$7.00} per month ). 

I had been paying off the interest savings balance each month and then one month I paid a little extra to cover new charges. They paid off the plan 7 months early instead of applying the payment to other charges. They claimed this is in their policy but this is not in any obvious place that I could find. Nor when I paid off the extra amount did it state it would go towards this plan. I expected it to go against new charges. I expected the plan to run for the full 12 months. Now if I don't pay off that amount from other charges I will also be charged interest.

I called and asked them to either reinstate the plan or reimburse me for the 7 months of charges for paying off my plan early. They refused to do either.

This My Chase Plan is deceiving to consumers and they should not be allowed to continue using it as is. They need to make sure that when payments go into a plan they are only paid as requested by the borrower. Not applying then payments whichever way they see fit. Please review their practices so other consumers are not scammed out of fees like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: The CMI Group, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have had a collection on the account that belongs to my room mates, in which XXXX has failed to pull the payment from default payment option in the account and have charged me a collection. Now that I have paid the owed amount because I wanted it to be removed from my Account so that it doesn't effect my credit score it still does. And when the Credit specialist tried pulling my credit score for having a mortgage loan she still sees it and I am facing difficulties as it have reduced my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Earlier this month ( XXXX ) I had to dispute XXXX transactions. Was told canceling the card was the only way so i did that. got the new card and less than a week later XXXX NEW XXXX transactions occured. I do not own an XXXX nor have an XXXX  account. The bank took it upon themselves to file the dispute. cancel my NEW card and reissue another NEW card. Now I have to wait. Can not pay my phone bill ( lack of funds ) nor buy gas and groceries until payday. after i told them NOT to cancel my card. They took it upon themselves to do this AGAINST my wishes. I will do more research on this but it is clearly a violation of something out there. Going through my statements there is a XXXX time charge over a month PRIOR to thse fradulant charges from XXXX. this is nervewracking and is very much theft. and they are complacent in this act of theft amongst numerous other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: IN
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:
The Credit Reporting Agencies have been neglecting my numerous CFPB Complaints and Dispute letters that I have been submitting to request the removal of the disputed accounts and information from my Credit File under the provisions of the Fair Credit Reporting Act section 605b. However, the Credit reporting Agencies have been claiming that the disputed account belong to me without sending me copies of proof of verification or any proof of ownership. I have been requesting that the Credit Bureaus send me copies of proof of verification if they ever claim that the disputed account and yet they have failed. This action of the Credit Bureaus is a clear violation of a consumer 's rights under the Fair Credit reporting Act section 605b. I am submitting this CFPB complaint to inform the Credit Reporting agencies that I am willing to file a lawsuit against the Credit Bureaus in the event they do not remove the disputed account from my Credit File. If it is not too much to ask, I am in need to remove the disputed account from my Credit File : XXXX. XXXX XXXX XXXX XXXX Date XXXX Balance : {$0.00}.

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 2023-03-17
Company: NEW YORK COMMUNITY BANCORP INC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am on a forebarreance from XX/XX/XXXX thru XX/XX/XXXX. I have been granted a $ XXXX pay off of the 12 month forebarreance and 6 month mortgage payments per XXXXXXXX XXXX. I received a call from XXXX XXXX of XXXX in XXXX of XXXX advising me of the grant amount. At that time she said my 12 months past forebarreance of then $ XXXX and the remainder of the $ XXXX for the six months going forward of mortgage payments of $ XXXX was over {$700.00}. She indicated I needed to pay that before she could make any payments of the forebarreance check or the remaining $ XXXX going forward. I paid that overage of {$700.00}. She requested a letter from Flagstar Bank for their paid invoice. Next I got a call from her approx 2-3 weeks later telling me I now needed to pay {$3500.00}. She said that Flagstar said I needed to pay that as the overage. I paid that. I called XXXX of XXXX to tell her I paid it and she sent out another letter/invoice from Flagstar for an update that I paid that. Approximately 2 weeks later XXXX called me back on Monday XX/XX/XXXX telling me I now had to paid {$3300.00}. I now began to inquire with XXXX of XXXX and Flagstar to why is there a continuous balance when I started with {$700.00}. My forebarreance is not paid. My forclosure will begin XX/XX/XXXX. XXXX XXXX now said if I pay the {$3300.00} she requested since I complained of this cat and mouse chance of overages she wouldnt ask for anymore balances. 

Something is very very wrong in this. There is no reason why XXXX didnt pay the grant since I cooperated and paid 2 payments and the 3rd payment is from what Im told the XXXX mortgage payments from XXXX and staff of Flagstar but another Flagstar staff XXXX told me it was XX/XX/XXXX mortgage payment which would have been part of the forebarreance. 

I contacted the XXXX XXXX XXXX  attorneys who XXXX XXXX sent me an email telling me this is an issue happening with XXXX and mortgage companies. I have this email. 

I received a letter from Flagstar dated XX/XX/XXXX they will be foreclosing on my property on XX/XX/XXXX. 

I have questioned XXXX XXXX as to why she is continuing to not pay the grant and she blames is on Flagstar. Flagstar is blaming XXXX. 

I need someone to help in this. 

Best XXXX XXXX XXXX Flagstar has had other complaints filed against them with you. Its a XXXX case that I have a copy of that is similar to this.

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 2023-03-10
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: Account status incorrect

Complaint:
Incorrect information is being reported Account name : XXXX Account # XXXX Account is being reported with an inaccurate date of last activity. Delete for inaccurate data being furnished on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: AXOS FINANCIAL, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Axos Bank offered customers a {$300.00} cash bonus when the customer opens a new Rewards Checking account and uses promo code XXXX. The bonus the customer receives depends on the Total Qualifying Direct Deposit amount in a 30-day Evaluation Period : {$1000.00} {$1900.00}, cash bonus {$50.00} {$2000.00} {$6900.00}, cash bonus {$100.00} {$7000.00} or more, cash bonus {$300.00} My checking account ( Account # XXXX ) received a {$7000.00} deposit on XX/XX/XXXX, five days after the account was opened, fulfilling the offer terms. Note that this deposit fell within Axos 's stated 30-day Evaluation Period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Experian Information Solutions 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:
You are in violation of reporting incorrect information on my consumer report. The company responded to CFPB and stated that the account would be removed from my report, yet it is still reporting. Please see the attached dispute letter sent to the company, which is dated, and time stamped as well as the cfpb complaint stating that the account would be removed XX/XX/2023. I am demanding that the account XXXX XXXX XXXX ( XXXX XXXX ) be removed from my credit report immediately.

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 2023-08-08
Company: Radius Global Solutions LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt does not belong to me. 
This company is trying third party collection trying to get money from an account I have never opened. I am asking that that collection stop their attempts and dont put it on my credit. I have a question information from the that they did not provide, and I would like for this collection company to stop asking me for money of of a debt that I do not owe.

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 2023-03-10
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EDXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation