BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-02
Company: FIRST PORTFOLIO SERVICING INC
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
The credit card REVVI requires a program fee of {$95.00} to activate the card for use. 
I paid the fee and my card would not work. I spoke with them and they said the card was not activated and they would activate it. I tried after that and it still would not work. I called back and thet said they would deactivate it and reactivate it. I stayed on the phone while I tried to use it again and it still would not work. I tried 4 placess. 
XXXX said declined. 
XXXX said not able to use XXXX XXXX  said security # was invalid XXXX said there was an error with the card. 
They said they did not know why it would not work. 
I requested to have my program fee returned and the account closed. 
I asked for a confirmation after they agreed to do so. I was told they could not provide a confirmation. I have now seen reviews that this has happened to multiple people after paying the program fee was paid and that the card would not work. After asking to close the account that they do not close the account. I have called this morning to confirm it was closed and was told yes but that they would start the credit for the fee. 
I spoke with a supervisor and asked why I was told they would credit back the fee and today it had not been processed. He said it had been and did not know why the other representaive said it had not been processed. At this point i can't believe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The XXXX XXXX keeping reporting inaccurate information on my credit report about this account down below is the letter i sent them but still saying they verified the account when it hasnot been updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX @ Experian Consumer Assistance XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute Regarding XXXX XXXX XXXX XXXX Account Dear Experian Consumer Assistance, I am writing to formally dispute the information on my credit report related to the XXXX XXXX XXXX XXXX account. The account is currently listed as closed with a balance of {$7300.00}, and it is negatively impacting my credit score.

I have several concerns regarding this account : XXXX. **Inaccuracy of Reporting : ** XXXX  XXXX XXXX XXXX XXXX account is inaccurately reported as active, even though it was closed. The status of " Account charged off '' with a past due amount of {$7300.00} is incorrect, as this account should have been closed in XX/XX/XXXX. 

XXXX. XXXX XXXX : ** Despite my previous disputes, the information remains unchanged. The completion of investigations indicates a persistent disagreement, and I request a thorough reevaluation of the reported details. 

XXXX. **Violations of Fair Credit Reporting Act ( FCRA ) : ** I am aware of my rights under the FCRA XXXX and it appears that the reporting of this account XXXX be in violation of the Act. The inaccurate reporting has caused me financial harm, and I intend to use every consumer protection law available to rectify this situation. 

I kindly request a prompt and thorough investigation into this matter. Please provide me with the results of your investigation and any actions taken to correct the inaccuracies on my credit report. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely, 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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Companies have not complied with Identity Theft laws, procedures, statutes, codes and rules, to block delete remove information within XXXX business days - complaint # XXXX, XXXX and 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 2023-06-20
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:
In accordance with the Fair Credit Reporting act Account # XXXX XXXX XXXX, Account # XXXX  XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Account # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
attached is the CERTIFIED MAIL FROM XXXX XXXX. Equifax is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXX XXXX Account # XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX LOAN SERVICING Account # XXXX XXXX  XXXX  Account # XXXXInquiries XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I've reached out to different reporting agency 's throughout the year of 2022, from XXXX for them to report the correct address and employment,

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 2023-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Bank of America froze my prepaid debit card on many occasions during the pandemic. I just want to report it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Block, Inc.
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was using Cash App and buying something off there, I sent the money and I never got the items I purchased. Cash App told me theres nothing they can do but I was scammed so they can totally do something.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I tried to deposit a check onto my Truist mobile app. The app was giving me an error so I deposited into another account that I had with a credit union. The check ended up clearing both account but Truist ended up taking the funds back out of my checking accout with them so I transferred the funds from my credit union account into the Truist account so there wouldnt be a neg balance. Then on Thursday XX/XX/XXXX XXXX I went to pay for my bills and my card was declined. I called up there and they told me that unfortunately they were closing my account and I would not have access to my funds for more then 7 days!!!! 
My employment check was deposited into the account of {$4800.00} on XX/XX/XXXX and now I do not have access to my funds. I called multiple times and went to a local branch location and they told me there was nothing that they could do since corporate had made the decision. I have been a member with them for over 11 yrs and have never had any issues before. I can not pay my bills and I have since accrued multiple late fees and my credit report is in danger of being affected. They did not give me any notification or warning that they were going to freeze my account. I had to find out when all my bill payments were declined. I am a father of XXXX and have a family to support and now I can not pay the bills that we live off of. I hope my terrible experience will be shared so no one can get involved with this horrible company.

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 2023-09-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX DIGI CRD/S XX/XX/2023 ; COMENITYCB/ZALES XX/XX/2023 ; XXXX XX/XX/2023 ; FARMERS XX/XX/2023 ; BANK OF MO XX/XX/2023 ; CB/BLLSOUT XX/XX/2023 ; XXXX XX/XX/2023 ; GTECONSUMR XX/XX/2023 ; CAMPUS XXXX XX/XX/2023 XXXX LAKECITYJA XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; STELLANTIS XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; FRC/TBOM XX/XX/2023 ; CB/BLLSOUT XX/XX/2023 ; XXXX XX/XX/2023 ; CCB/ACADMY XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 ; SYNCB/LOWES XX/XX/2023. 
According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 2023-09-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 want the company to remove the fraudulent inquiries in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX Opened : XX/XX/17 Credit limit : {$19000.00} 9 months potentially Negative reporting Inaccurate information that's hindering me from achieving my future goals.

Official interpretation of 13 ( b ) Billing Error Notice 1. Withdrawal of billing error notice by consumer. The creditor need not comply with the requirements of XXXX ( c ) through ( g ) of this section if the consumer concludes that no billing error occurred and voluntarily withdraws the billing error notice. The consumer 's withdrawal of a billing error notice may be oral, electronic or written.

2. Form of written notice. The creditor may require that the written notice not be made on the payment medium or other material accompanying the periodic statement if the creditor so stipulates in the billing rights statement required by 1026.6 ( a ) ( 5 ) or ( b ) ( 5 ) ( iii ), and 1026.9 ( a ). In addition, if the creditor stipulates in the billing rights statement that it accepts billing error notices submitted electronically, and states the means by which a consumer may electronically submit a billing error notice, a notice sent in such manner will be deemed to satisfy the written notice requirement for purposes of 1026.13 ( b ).

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 2023-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
CAPITOLONE Credit Card Account was Created. Identity theft! and opened XXXX XXXX Ive recently tried to apply for a loan and was told I have a payoff debt balance of XXXX credit limit balance of XXXX dollars. The account was closed on XX/XX/. I have checked my credit report with credit karma which I have provided photos and proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Yamaha Motor Finance Corporation USA
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off the Yamaha motorcycle on XX/XX/2022. I was told I would receive the title within 30-45 days. I never received the title. I have tried calling multiple supervisors and have been told in XXXX and in XXXX that they still have the account in an " open '' status and that they needed to mark it as " closed '' and will send me the title. When I try to call them back the supervisors don't answer my calls and they still have this in an " open '' status and have never mailed me my title.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Self Financial 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:
RE : The response that I received to the previous complaint does not show how and what means you used to validate that all data being reported on my consumer report is accurate, and complete. How was the investigation done, who signed off on authorization that information is accurate, and complete. Please validate all information and produce all files used. In your response letter you never addressed the inaccurate, incomplete information that is being reported on my consumer file. Please address that immediately. You are willfully, and knowingly violating my rights. 
I expect there to be an answer to why there is 3 different Date Of Last Activity being furnished to my report from your company. You are not reporting within the rights of the FCRA. This is also not MAXIMUM ACCURACY. In the previous complaint I provided copies, and pics of consumer reports with evidence of inaccurate, incomplete data, and information. 

I have included a copy of your response letter, which is alot of mumbo jumbo .The truth of the matter is there are inaccuracies, and incomplete information on my file that your company furnished. Your company needs to remedy and rectify this immediately. Your company is willfully violating the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX Date opened : XX/XX/XXXX Balance {$2900.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$1000.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$24000.00}.

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 2023-08-16
Company: Experian Information Solutions Inc.
State: PR
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 XXXX of XXXX  I set up automatic payments to XXXX XXXX  from XXXX XXXX. 
On XX/XX/2023 the automatic payment went out on XX/XX/XXXX per my payment process. 
XXXX Mortgage reported the payment was received on XX/XX/2023. Which is one day past their deadline. 
On XX/XX/XXXX I was notified through my monitoring that XXXX XXXX  has flagged me as being 30 days delinquent on the account. 
After speaking with a representative of XXXX XXXX, I proved to them I had the documentation and that I paid it on time. 
I plead my case that there was some error with the bank, or them receiving it, I was informed since it wasn't an error specifically on XXXX XXXX, they wouldn't be able to update my credit report. 
I am only asking for a one-day adjustment.

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 2022-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 ID Theft. I have shown substantial amount of proof that I am a victim and I have never opened accounts with Bank of America and XXXX. They will not block these fraudulent accounts. Also all three reporting agencies ( XXXX  XXXX, XXXX ) will not block these fraudulent accounts.

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 2023-08-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing bought my loan from XXXX XXXX on XX/XX/XXXX. I experienced extremely poor customer service such as receiving conflicting information on multiple occasions due to questionable processes SPS had set up. For example, without a request from me or a bill from my insurance company, SPS used funds from my escrow account to pay the insurance when my insurance was already fully paid until XX/XX/XXXX. Seeing that SPS processes are bizarre and unpredictable, I closed my escrow account with SPS and was told by SPS that a refund check in the amount of {$11000.00} was mailed to me ( regular mail ) on XX/XX/XXXX. Today is exactly 4 weeks and I still have not received the check to pay property taxes and insurance on my own. I did my part and informed SPS weekly over the past month that I had not received the check. I was told by an SPS supervisor that she requested reissuance of the check but the process of ensuring the prior check had not been cashed and issuing the new check is 30 days. How in the world does reissuing a check take 30 days? 
So I had waited 30 days for a check, and supposedly now have to wait another 30 days for the new check to be issued. And SPS insists that they send out refund checks by regular mail. And I was told to my face that, God forbids, if the next check does not come, I have to wait a full 30 days BEFORE I can request issuance of a third check. Theoretically, if I even receive the check at all at the end of that process, that's a full 90 days just because SPS does not want to spend an extra XXXX cents to buy a tracking number when mailing out a large check. I believe the regulation says that I have the right to receive my refund within 30 days after closing the escrow account. It appears that once the initial 30 days has passed, SPS has the duty to expedite and re-issue the check to me, after checking that the initial check has not been cashed ( which should not take more than 1-2 business days in this electronic age ). Kindly help me get my escrow refund money!!! XXXX XXXX dollars plus is a lot of money that SPS is insisting on keeping and in the meantime, creates bizarre deceptive processes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation