BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-25
Company: Atlanticus Services Corporation
State: OH
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:
We had a credit card with Aspire, which we had paid off the entire balance of in XXXX of XXXX. Following the fulfillment of this payment, we called and then cancelled the credit card in the same month, seeing as we did not want to continue with the card. After a report from XXXX, we learned that Aspire had reported a 30 day late payment on the card ; which not only damaged our credit reports, but also was not communicated to us in any way, shape or form. We called Aspire as soon as possible, and spoke to a XXXX XXXX in the collection department. XXXX then claimed that this {$39.00} dollar fee was an annual renewal fee, having not been informed of this charge ; as previously stated, we did not act on it. This then, when added with late fees that we did not charge, totaled to {$130.00}. Additionally, there is the fact that the card was cancelled in XXXX of last year. XXXX attempted to have us pay the balance off, however, as we stated the card was cancelled 5 months prior, and we had not made any purchases or charges on the card, which has been destroyed following its cancellation. After speaking with XXXX for approximately 30 minutes on XX/XX/XXXX, we ended up speaking to their supervisor, XXXX XXXX. XXXX XXXX is sending this to the resolution department to have the fees removed from the account and to make another attempt to close the account. While this is a part of the issue, the main concern is the fact that this is now displaying as 30 days late on my credit report and the removal of this occurrence from the report is my utmost priority. I had been told by both XXXX and XXXX that this is not a guarantee, which is unacceptable, given that the balance on the account was not of our doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. XXXX XXXX services has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX services under Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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
Consumer complaint received 2022-08-31
Company: Experian Information Solutions 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:
During the pandemic in 2020 my entire household was hit with Covid 19 and me and my spouse was completely out of work we was very sick so I reached out to a public agency who assisted with rental payments to help me with rental payments because I had fallen behind and I had to come off of my job because I was so sick and to help take care of other household members who was also sick the agency agreed to pay 4 months of rent including what I had fallen behind of the leasing office claims they never received a payment in which the case rep who was helping me at the time sent all receipts and letters for proof in which I have attached copies of.

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 2023-05-25
Company: Zions Debt Holdings
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
While going through a divorce in XXXX my ex-husband and I were told by the judge to separate our combine debts and pay the debts off. There was a debt from XXXX XXXX 's XXXX XXXX XXXX XXXX that my ex-husband advised he would pay in the amount of {$760.00}. Therefore, my ex-husband advised he settled the debt with a company called XXXX XXXX XXXX. at XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ). In XXXX of XXXX I started receiving harassing phone calls from a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) stating this is an attempt to collect a debt for XXXX XXXX  in the amount of {$760.00}. XXXX XXXX filed bankruptcy years ago. After several harassing calls I decided to settle the debt for a lesser amount of {$370.00} on XXXX with XXXX XXXX XXXX ' agent XXXX XXXX, who I gave information to my bank account to make a one-time ACH. On XX/XX/XXXX, at XXXX, I received a call from an agent name XXXX XXXX this is an attempt to collect a debt for Zions Debt Holdings LLC XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) for XXXX XXXX. I advised XXXX XXXX that I settle this debt for a lesser amount with XXXX XXXX XXXX XXXX. I advised XXXX XXXX that I could provide a confirmation number. XXXX XXXX advised that anyone could give numbers, which I felt was unethical considering that XXXX XXXX XXXX provided the confirmation number after the ACH. This debt is being reported incorrectly ; therefore, I contacted all three credit consumers to dispute the account because it's been paid twice.

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 2023-05-25
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:
Im a victim of identity theft. I noticed several fraudulent accounts has been open in my name. Please check the attachments for all reported documents and paperwork.

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 2023-04-10
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:
I am demanding the removal of the following account since it has yet to be verified by the credit reporting agencies or the creditor. Please see the attached dispute letters sent to both the creditor and the credit bureaus over 60 days ago. This has fallen on deaf ears. I do not have an account with XXXX XXXX XXXX XXXX. You failed to do an investigation when you were notified months ago. Remove this account 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 2023-06-03
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: Their investigation did not fix an error on your report

Complaint:
I have submitted a dispute letter to the credit bureaus on XX/XX/XXXX Along with a FTC report as I was a victim of identity theft. The credit bureaus Experian, XXXX, and XXXX have ignored my complaints, I have sent another set of letters regarding the hard inquiries on my credit report that do not belong to me but nothing has been done to fix the issue. I will list the hard inquiries that I requested to be removed that are still on there as of XX/XX/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 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 2023-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The car payments were put on deferment because my husband was unable to make full payments but the payments should not have been reported as 30 days passed due five different months. It was during Covid and lots of people were struggling with their finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Shellpoint Partners, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Nowhere in my Note does it say that the lender has the right to change the index attached to my mortgage. Obviously, XXXX is expiring and my loan was based on that index. Lender decided to change to a more aggressive index. While reading thru my documents I do not see where the lender has this authority.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, 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:
Disputed Unauthorized inquiries on my my credit profile. Received a letter stating theyre unable to remove inquiries. I have not authorized any company to report these items to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, 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 urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Experian Information Solutions 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:
XXXX funding shows two separate derogatory remarks on my Experian account. One amount was for just under {$2000.00} and the other for approximately {$900.00}. 
I made the dispute with Experian, waited approximately a month to find that Experian is reporting the debt as active. 
Through the Freedom of Informations Act, it is clearly stated that the debt has been disposed of in the Court of Law many years ago. Additionally, this alleged debt is well over 7 years past un-acknowledgement. 
This is causing major issues while trying to find a safe place for my family to live. 
It would appear that Experian reached out to the alleged debtor, were told it was accurate, satisfied with the answer and did not attempt to investigate public record. 
This does not appear to be a dedicated consumer advocate. Resolution has been established and needs immediate attention to verify accurate status as established in the NYS criminal justice system.

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 2023-04-20
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I sent my sister XXXX. She sent it back because she thought she no longer needed it. 
On XX/XX/XXXX, she asked for it again, when I went to send it, cash app flagged it as fraud ; and said they were holding my money for 3 days, then returning it. 
Cash app withdrew XXXX from our account. ( XXXX plus fees ) and never returned my {$510.00}. Ive called, inboxes support, and all they said was that they have no further information. 
I disputed with my bank since we are almost in May, and cash app is challenging the dispute! 

They sent my bank receipts for the 6th, and lied and said my sister cashed out. However, the transaction she cashed out is merchant token : XXXX, I am disputing merchant token ; XXXX. 

My question is where is my money? They refuse to give it back, and dispite not having an answer for me.., why are they lying to my bank? 
Did an employee keep my money? When I spoke to an employee XXXX he never answered and just repeated that my money would be returned in XXXX business days from XXXX but we are in XXXX! 

I have attached the conversation with myself and cash app, plus the lies they sent my bank. 
You willl see these are two different transactions and that they NEVER address my concerns that the money was not returned

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: BSI Financial Holdings, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent the payment in XXXX to my mortgage company and paid additional money which was clearly stated to go toward the principal but my mortgage company used the additional payment towards my next month 's bill and applied the remaining balance from the additional payment to the principle. when I called the company and told them about the mistake that they have made. they first didn't agree with me but the second agent finally saw the mistake and assured me that we will fix the issue. It's been 2 months and they still have not fixed the issue and asked me to pay for additional payment. If my mortgage company did not fix this issue I will loose XXXX XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Experian Information Solutions 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:
Experian continues to state they've verified information on a bankruptcy. However, I tried calling the bankruptcy courts phone listed on the record and it's been disconnected. It's clear this information was vetted out correctly. Experian do not verify information and the record needs to be deleted.

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 2023-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This past Friday ( XX/XX/XXXX ) I did my usual cash withdrawal in the Bank of America branch ( part was used for my sinking funds, the remainder to finish some savings challenges ). After hours and having completed several savings challenges, I had {$410.00} that I had saved, and I went to the drive thru ATM in XXXX XXXX  SC. It was after hours, and I really should have gone in to see the teller on Monday, but I risked it. The ATM spit out an error and none of the {$410.00} was credited to my account. 

I got the receipt and called the number on the paper, which was to the Claims Dept. The lady I got on Friday evening told me I would get a temporary credit by Tuesday ( XX/XX/XXXX ). I began refreshing my BofA app starting at XXXX on Tuesday, as I really wanted to use these funds to help with car maintenance. Unfortunately, the funds were never credited to my account. In a state of panic, I called the Claims # again, but this time I was told that it would be XX/XX/XXXX before I would even see a credit, but that they would put in a hardship escalation to get my funds in my account. 

I happened to be in the XXXX XXXX branch this afternoon, cashing a check and mentioned it to the Bank Mgr, ( XXXX ) who was very kind. She told she would follow up with the claims department as well. In the meantime, I called the Claims department on my own, and was again told that the escalation was denied and that my deposit required more investigation. All of this made it seem like I was under investigation personally, which is wholly unwarranted and entirely mean spirited. 

All I am asking is that the funds, my {$410.00}, be credited to my account as promised, immediately and without delay. In return, I will refrain from using the ATM for any deposits or withdrawals going forward. I know this email is a long shot to get what is mine, my money that I worked so hard for and saved by being diligent, just credited to my account. 

Any help in escalating or resolving this matter would be greatly appreciated.

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 2023-06-05
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a victim of identity theft from XXXX XXXX till XX/XX/XXXX XXXX XXXX unauthorized transactions was made on my account without authorization I have reach out to chime this theft was able to link there debit card number ending XXXX to my chime app without authorization the theft was able to hack into my chime app because they had stolen my phone that chime app connected to in was able to make 75 unauthorized transactions I have sent chime proof of debit card that was link to my account this theft was able to steal over XXXX out my account yes I have open multiple rebuttal because chime is not doing a good investigation I call chime to report someone has access to my debit card in they have link there debit card that is not in my name to my account without authorization in chime close my account on XXXX XXXX the credit that chime place in my account I never was able to use the funds yes they sent the {$45.00} dollars check but what able the rest of my money from 75 unauthorized transactions I have sent multiple documents chime did reopen my account back on XXXX XXXX I was trying to gain access to my account in notice the theft card was still link to my account I did not cases any fraudulent activity on my account I reported this issue to chime and they is doing nothing they close my account when I call in reported this issue thats not fair to close my account when I call in reported chime app hack in card information has been access without my authorization.I have provided the theft card information in bank information that was link to my account without my authorization in case my account to become close with chime in was able to steal my money in chime is refusing to do anything about it I was able to obtain theft documents from police

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX  Saturday XXXX, an unauthorized charge of {$100.00} was made by XXXX XXXX  to my Chime checking account. I disputed this charged and after many attempts I was ignored and finally denied this dispute without any proper documentation stating why it was denied. This dispute is completely legitimate and I am being falsely denied this credit. I have provided all proof to Chime and they continue to deny me this dispute. If this the Chime disputes team had done proper investigation they would have seen that I previously made a charge in a city that was was more than an hour away from the location which this charge was made making it impossible for me to be there to authorize this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-07
Company: SYNCHRONY FINANCIAL
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:
I have been a customer of Amazon.com for over two decades. 

I had always used my own credit card. 

I was recently offered an Amazon Credit card via Synchrony Bank with a promise of a " SOFT ENQUIRY ''. 

I accepted the offer assuming it was a Soft Enquiry.

However, it is now showing up as a HARD ENQUIRY and thus adversely affecting my credit score.

I would not have agreed to the Card had I known it was not going to be a Soft Enquiry.

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