BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: Block, Inc.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX and I have a XXXX business which I use Square to process payment for my business but Square has decided to deactivate my account for more than 6 months now without giving my access to my money. 

I can not withdraw over {$2000.00} which I have with square and they told me that they would not give it to me. 

I need Square to tell me when I'll be able to withdraw my money as I waited for so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: PNC Bank N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
- PNC bought BBVA Bank- the transition happened XX/XX/XXXX - PNC did not send my mail to the correct address - I have a separate mailing address and home address ( I do not receive mail at my home address ) - I started calling PNC when I got home from vacation on XX/XX/XXXX or XX/XX/XXXX ( I returned on XX/XX/XXXX but was sick with XXXX ) to figure out my accounts. This is when I discovered my account numbers had been changed and my new check card along with my new account number information had been mailed and returned because they had the wrong address. - I ended up at the branch at XXXX XXXX XXXX XXXX XXXX to get my account numbers and a new check card, I don't remember the date at this point. And because I use checks, they printed some of them for me. - I continued to try and set up online banking but was having issues with my password which had me calling into the branch and Customer Service number on their website. - I went on their XXXX page and saw there were a lot of people complaining on their page. I complained and they started messing with me ( screen grabs attached ). - At one point they requested the name on my account, my e-mail and phone number. Very shortly after that I received a call from XXXX ( screen grabs attached ) stating it was their Fraud department and my accounts were frozen. - I just redialed and that is when they got all my information ( I thought I was getting my accounts unfrozen ). - I started receiving e-mails alerts and by the time I got to the branch, there was a {$XXXX XXXX transfer to a XXXX XXXX at XXXX on XX/XX/XXXX and several wire transfers totaling {$XXXX - I received XXXX text messages and XXXX e-mail from XXXX XXXX XXXX about a request to transfer my number to a different carrier - XXXX - they also stole my cell phone number but I was able to get it back. I will include screen grabs of the e-mails/text messages received regarding that situation. - I am including screen grabs from the e-mail alerts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is a follow up to my last complaint. Sending me what I sent you is not clarification. I do not know when the fraud began, I reported it as soon as I saw it on my reports. I have several student loans, all of which are in good standing, but I do not have knowledge of this one. The random letter you sent doesn't even have an account number, and you are not XXXX XXXX. My loans are all federal, not private. I see nothing authorizing this loan. I demand proof of signing for this loan be sent to me, or you have failed to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
We purchase a bed from sleep number and financed the purchase using synchrony bank. The initial purchase was for {$2900.00}. I immediate began making equal payments of {$120.00} which was the balance over 24 months. We soon learned that the payments were applied to someone elses bill and that they charged us late fees. When we called them to rectify the issue, they could not verify my husbands account as they do not have the correct birth date or las t 4 of t he social. We had the account number, billing address date of purchase, they refused to talk to us because they could not verify us. They finally called through to the store and realised there was an imput error. They were to have corrected the issue almost 2 years ago and we have been fighting with them ever since. The last payment was to have been made which it was made on  XXXX . I was able to find out that they continued to charge us late fees and assessed interest so there is still at {$470.00} balance remaining. I again called and they would not talk to me because they claim I am not on the account. They I called with my husband on the phone and they still could not verify the account and would not talk to us. I asked to speak with a supervisor and they placed us on hold for over an hour. I am not willing to make any more payments I have paid for the bed and then some.     I was able to finally speak with someone who stated that the due date on the account has always been the  XXXX  of the month. We purchased the bed on  XXXX / XXXX /  XXXX  . We were told on our paperwork that the first payment would be due on the  XXXX  of each month and I scheduled it as such via our online bank. The {$120.00} has come out for the past 24 months but somehow there is still a balance. They had me on hold for ov er 25 minutes o nly to come back on the line to state that there was nothing that could be done that we should have called in sooner. Yet when we call they will not help us because they have the wrong social and birthdate on the account and can not verify.     Please 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 monetary relief
Consumer complaint received 2016-03-08
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I fell behind on my mortgage after lay-off. I soon learned I would need XXXX before returning to work. I had the surgeries and was unable to return to my work as XXXX and now have been XXXX for a new occupation at less than half my former income bracket. I have applied for a Short Sale but still have a forclosure sale date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: RoundPoint Mortgage Servicing LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX : I was supposed to close on my short sale today but I am no where near that because roundpoint mortgage is not providing quality timely responses. They have denied every allowable charge submitted by peace mailing responses. I'm not coming to the table with anymore money. Roundpoint should pay for closing assistance, ground rent, hoa, water assessment as allowable charges!!! If the buyer walks away it's going to be Roundpoint's issue. Enough of the run around!

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 2021-11-20
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: Account information incorrect

Complaint:
on XX/XX/XXXX XXXX XXXX XXXX  SHOWED UP WITH A XXXX Balance. Incorectly which shot my credit down XXXX points. to XXXX ... called chase and filed a dispute... they now show me to the normal credit card balance of XXXX. 

Called corporate offices since this has affected my businness and XXXX loan. 

XXXX received the correct balance as of today XX/XX/XXXX. my score went up XXXX points yet it still shows on my report that I once had that balance. my score should of been back up to XXXX. 

They should not be able to do those things even by accident, how does my credit shot by XXXX points and only once corrected up XXXX points. Help! XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 recently obtained a copy of my credit report and was appalled at the information that was on my consumer report. I noticed that there are a few violations on my report. 

The first one I noticed is what was is supposed to be Excluded on my report according to federal law 15 U.S.C. 1681a specifically states that any approval of extension of credit directly or indirectly by the issuer of a credit card or similar device shall be excluded from my consumer report. 

I believe XXXX XXXX is in direct violation of this statue code. 

The second violation I found is under the Truth in Lending Act. 

15 U.S.C. 1666B ( a ) states that A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I believe XXXX XXXX is in Direct violation of this statue code. 

my character and reputation have been damaged due to XXXX XXXX furnishing this false and misleading information on my consumer report

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Experian Information Solutions Inc.
State: NM
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:
I was successfully discharged from a chapter XXXX bankruptcy back in XXXX. I know my credit is terrible right now and that bankruptcy will be on credit report for quite some time. 
I've been pre-approved through XXXX XXXX for an auto loan. This was a soft inquiry approval and was clearly stated as such. That's why I went through with pre-approval. 
I've banked with XXXX for 10+ years and was under the impression theirs was also a soft inquiry approval as well. I didn't have to include SSN or anything that led me to believe it was a HARD INQUIRY. Of course due to my bankruptcy I was denied. I immediately received a notification that my credit report took a 20 point hit. So I tried calling XXXX to dispute. Their representative refused to walk through the screens with me so I could show them they were not clear that it was a hard inquiry instead of a soft inquiry. 
For someone who is fresh out of bankruptcy and is doing everything they can to rebuild credit and get their life back in order, a 20 point hit is demoralizing. Especially one that could've easily been avoided by XXXX being clear that it was a hard inquiry instead of being vague. 
I was so close to having a XXXX credit score which would've moved me to the next bracket.

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 2020-04-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and these accounts by law must be removed from my credit profile.

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 2022-11-01
Company: WELLS FARGO & COMPANY
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Information continues to change. Principal balance increases. I fear for my life here. This is all happening while Im going through a fraudulent divorce. They are trying to take my kids away.

Mortgage XXXX {$200000.00} balance

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 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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  accounts 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 XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX Has violated my rates. 



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

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish a account without 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 2022-05-15
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: Old information reappears or never goes away

Complaint:
CFPB Write up XXXX accordance with the Fair Credit Reporting act XXXX 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 XXXX, equifax, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am writing to dispute an incorrectly reported credit issue in my file associated with XXXX XXXX and Barclays Bank Delaware. Attached are signed and notarized documents proving grounds for my dispute. These have been mailed to XXXX XXXX XXXX Department and Barclays Bank Delaware. XXXX XXXX Mail, Return Receipt Requested for proof of receipt. 

The enclosed Notification, Affidavit, and XXXX XXXX XXXX XXXX  will show the reported item in question is, and has been, in dispute with XXXX XXXX and Barclays Bank Delaware. 

While I do not deny a contract was signed with XXXX XXXX, the contract was entered into upon fraudulent acts committed by XXXX XXXX, as shown by the enclosed documentation. 

Please reinvestigate this matter and delete the disputed item as soon as possible, and mark any further attempts on behalf of XXXX XXXX and Barclays Bank Delaware as disputed. 

Sincerely, G.

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 2016-11-22
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from Credit Systems Intl I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Credit systems Intl in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A states that 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.

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 2020-06-11
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of XXXX we cancelled our XXXX XXXX XXXX XXXX XXXX, TV, Internet, & Phone service. At that time we closed out our account, we paid our final bill in full & returned all Equipment to the Customer service Center in XXXX XXXX Calif. On XX/XX/XXXX we received a collection notice from ERC collections in the amount of {$520.00}. We are disputing their actions based on the above stated facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: TN
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 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,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

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 2022-05-15
Company: EQUIFAX, INC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Equifax has allowed a fraudulent credit collection agency to add an account to my credit repot without validation and my knowledge I do not owe XXXX any funds. I asked that this be removed from my credit report. please investigate this collection company. This company has no right to put this unlawful act in my credit report.Please assist me. The company name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX All consumers be aware of these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: Caliber Home Loans, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Please see the attached letter and receipts to explain in better detail the facts of the case. 
Caliber Homes charged us {$10000.00} in order to keep our home from being foreclosed, yet we had made the payments ( receipts are attached ). XX/XX/XXXX I mistakenly paid {$87.00} short for a total of 3 months for a total of {$260.00}, yet I was forced to pay {$1900.00} in order to keep our home from going to foreclosure. I did receive one response from Caliber after submitting one complaint with you, they state that I was behind XX/XX/XXXX and therefore needed to pay {$10000.00} to keep my home ( see receipts & statements that I have ). There were many discrepancies at the time for the amount we owed, and that has not been explained ; different amounts are {$17000.00}, {$8600.00}, {$8500.00}, {$8100.00} depending on who you talk to or what correspondence you receive and they have not been addressed. Please address concerns and apply additional monies that I am sure I have paid towards my loan to the principal balance. 
Thanks in advance for your help with this matter.

Company response to consumer: Closed with explanation