BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
Company: Experian Information Solutions 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:
This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX AV XXXX, IL XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$49.00} XXXX XXXX XXXX XXXXXX/XX/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 explanation
Consumer complaint received 2023-11-22
Company: Financial Recovery Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Re ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 
XXXX XXXXXXXX XXXX thru XXXX XXXX  Acct : ending in XXXX for {$3400.00} Financial Recovery File Number : XXXX Debt to XXXXXXXX XXXX XXXX on XXXX. 
XXXX - debt collection call from XXXX XXXX at XXXXXXXX XXXX 
XXXX - Response by Executor, XXXX XXXX, to XXXX XXXX uncured debt dismissed. 
under XXXX XXXX, Sec XXXX, of XXXX XXXX. 
XXXX - Financial Recovery Services assumes debt collection after discharge. 
Monthly collection statements continue from XXXX to date. 
XXXX XXXX diagnosed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Monthly collection statements continue from XXXX to date. 
XXXX XXXX passes away from XXXX XXXX. 
XXXX I received a collection call from XXXX. 
Monthly collection statements continue from XXXX to date. 
Cease and Desist Order sent by me as Executor of the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRUIST FINANCIAL CORPORATION
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During XXXX, I used the CARES Act to apply for XXXX hardship mortgage forebearance. I contacted BBT/Truist in XX/XX/XXXX to let them know that my hardship was over and that I was ready to resume my mortgage payments. I was told that it did not just " pick back up '' where I left off but instead I either had to pay all my missed payments in one lump sum or I needed to do a loan modification. Since I could not afford to lump payment I told them I would do the Loan Modification. 

I was given the parameters that I needed to follow. Starting XX/XX/XXXX I started making monthly payments again on my mortgage. I followed all rules set forth for me regarding trial payments and was told I had met the requirements for loan modficiation. I filled out all paperwork and had it notarized. It was sent back and received by the company on XX/XX/XXXX. I continued to make my monthly payments while waiting for the loan to be removed from loss mitigation. Each time a payment was made via telephone I would ask about the status of my loan and the representative was never able to give me any details. I was only told to continue to wait. 

In early XXXX I recieved ANOTHER copy of the loan modification paperwork and was told I had to re do it all due to an error on their end. So we filled out the paperwork and had it notarized for a second time. It was received back by Truist Bank on XX/XX/XXXX according to tracking records. 

Since that time I have not been removed from loss mitigation nor has my loan been modified. I have continued to call monthly to make my mortgage payment and each time ask where I am at in the process and I can never get an answer, except to please be patient and continue to wait. 

Since letting Truist Bank know I no longer was under hardship, I have made 14 payments, filled out modification paperwork twice and yet nothing has changed. My payments do not go towards my balance but instead are being held in a suspense account. I continue to receive statements showing my mortage is in loss mitigation and my balance due continues to grow. I have continued to advise the customer representatives that I am no longer under a hardship and ready to continue to a conventional mortgage but nothing has been done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Atlanticus Services Corporation
State: OK
Product: Credit 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:
In XX/XX/XXXX I recieved an email informing me of pending purchases made on this credit card. KNowing for a fact i had not used this card in more than a month iim medially called to inform Imagine of what had happened. They sent me via email the form to fill out and told me if i got it back to them in a timely manner they would issue a provisional credit. I had it to them via fax in under XXXX hours and never saw a provisional credit and when i asked anyone about it they would change the subject. I then recieve notice that the dispute has be denied because their records indicate I accessed my account via my online login and I was provided wit hthe balance and transaction information during the time frame that I stated fraudulent charges were being made. First of all, I have never used the online method to view my account, I have the mobile app on my phone i use, XXXX this company takes days sometimes up to XXXX for the recent transaction history to appear on the app. The amount of credit available will be deducted according to the purchases. When I spoke to them on XX/XX/XXXX i asked the rep were the logins right before or after the charges were made and she said no it was a few days before i called in then put me on hold and said shes not sure. ( i have recorded every call with them ) I dont find that this excuse is in any way a viable reason to conclude this dispute. This is bad faith, they did a quick slppy investigation and I did not make these charges nor will i pay for them. They wont share any documents with me, heck, they didnt even call to say the second dispute had ended. very unethical and poor service. I have filed with identity theft.gov, now CFPB, im going tomorrow to my states attorney generals office, and to speak to a private lawyer for advise.I know if this was propery investigated the outcome would be that I didnt make the charges. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2022 XXXX formerly XXXX XXXX has furnished fraudulent information to consumer report by way of using false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. XXXX violates 809 Validation of debts, XXXX violates 812 Furnishing certain deceptive forms, XXXX violates 807 False or misleading representations. XXXX HAS BEEN FURNISHING INACCURATE AND INCOMPLETE INFORMATION TO MY CONSUMER CREDIT REPORT FOR THE PAST TEN ( 10 ) MONTHS. I AM DEMANDING THE REMOVAL OF ALL NEGATIVE INFORMATION AND REMARKS REPORTED FOR THIS ACCOUNT, INCLUDING LATE PAYMENT CLAIM, ACCOUNT STATUS, AND ACCOUNT HISTORY TO CONSUMER CREDIT REPORT AS WELL AS THIS ACCOUNT CLOSED and or Charged OFF. I am aware that FCRA doesn't not require creditors to report negative information & such should not be disclosed to any non affiliated third party without consumers lawful consent.This is a violation of 15 USC 1681S-2 ( 7 ) ( E ). The information displayed is not Fair and equitable to consumer. I have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, the consumer holds the right to validate and verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Blackhawk Network Holdings Inc.
State: WA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Shortly after activating my {$100.00} XXXX gift card in XX/XX/XXXX, there were XXXX fraudulent transactions at the XXXX XXXX store totaling {$93.00}. I immediately notified XXXX XXXX of the fraudulent transactions and asked that these be investigated so that the value of my card could be restored. 

The agreed to investigate it, but I never heard anything back. In XX/XX/XXXX, I contacted them again, and they said they had reached to out to me in XX/XX/XXXX asking for more information. I discovered that they sent this request to an email address that I had never heard of and that I have never been associated with. 

I requested that they reopen the case and resend their request for information to the right address so that we could resolve this case of fraud. They refused to do so, claiming that after XXXX business of sending information ( to the wrong address ) they had no obligation to address fraud on my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: BARCLAYS BANK DELAWARE
State: NY
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:
XXXX XXXX I received a call from XXXX in regards to my XXXX disputes surrounding the provisionary credit they did on my account WRONG > in my last complaint XXXX was closed with a nonsense letter from XXXX XXXX who NEVER CALLED ME to discuss the matter. XXXX impacted this provisionary credit on my account after I was given the refund back from XXXX on XXXX XXXX, they placed the provisionary credit on my account on XXXX XXXX and later charged back for me to pay them back in XXXX. these dates are not reflected on my actual statement this is the recorded discussion that I had on my last call with XXXX. As I have stated from Day 1 there was no need for them to apply the provisionary credit to my account once I got the money back from XXXX. they impacted fees on my account for interest of the bank. this is fraudulent. after arguing with the guy he told me that I was responsible requesting a provisionary credit on my account after the refund was received which is UNTRUE >

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 2023-11-06
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
I HAVE HAD ACCOUNTS WITH XXXX XXXX XXXX ON AND OFF XXXX XXXX 's AND NEVER HAD A PROBLEM. 
IN XXXX I WENT TO XXXX XXXX XXXX IN XXXX OHIO I PURCHASED A BED AND WASHER & DRYER, I SIGNED THE PAPERS AT STORE BY SELLS STAFF AND HAD TO DRIVE AROUND TO WAREHOUSE TO PICKUP FURNITURE, THE NEXT THING I RECIEVED A BILL FROM XXXX XXXXXXXX XXXX  OF WHICH I MADE ARRANGEMENTS TO MAKE MY PAYMENTS ON LINE. 
I MADE ALL PAYMENTS FOR TWO YEARS ON TIME AND NEVER MISSED A PAYMENT OR WAS LATE. 

WHEN I CHECK MY PAYMENT BALANCE IN XXXX IT WAS APPROXMATELY {$2300.00}. 
WHEN I RECIEVED MY XXXX STATEMENT BAL WAS {$6400.00} I CALLED XXXX XXXX XXXX XXXX  IN XXXX OH AND WAS REFFERED TO SYNCHRONY BANK, OF WHICH I WAS TOLD THAT WAS THE NEW AND CORRECT BALANCE BECAUSE THERE WAS A 24MONTH PAYOFF CLAUSE, STATING THAT I HAD TO PAY THIS BALANCE WITHIN THE 24MONTH PERIOD OR " INTEREST PAYMENT " WOULD APPLY.

AS I HAVE STATED I DON'T REMEMBER BEING TOLD BY A SALES REP ABOUT ANY " 24 MONTH CLAUSE " NOR AS THIS EVER HAPPENED IN ALL THE YEARS I HAVE BEEN DOING BUSINESS WITH XXXX XXXXXXXX, I AM ALMOST XXXX XXXX XXXX I AM A 100 % SERVICE CONNECTED XXXX VETERAN WITH A XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
IT IS OF MY OPINION AS A XXXX VETERAN AND ELDERLY PERSON OF HAVE BEEN TAKEN ADVANAGED OF, AND TAKEN IN A MONEY SCHEME OR SHAKE DOWN BY THIS COMPANY OR BANK, I DON'T REMEMBER SIGNING ANY DISCLOSER DOCUMENTS ABOUT 24 MONTH PAYOFF AND DO I REMEMBER ME GIVING XXXX  XXXX PERMISSION TO SELL MY ACCOUNT TO SYNCHRONY BANK I BELIEVED I WAS DOOPED INTO THINKING MY PAYOFF WAS CLOSE TO {$2300.00} WHEN {$400000.00} WAS ADDED TO MY ACCOUNT, I BELEIEVE AS A XXXX VETERAN AND XXXX  PERSON I WAS TRICKED AND TAKEN ADVANTGED OFF.

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 2023-11-06
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
cashapp managers send me 2 years in order to upload my selfies and my iD. i have done both. cash has not provided me access to my money. i am waiting for cashapp to give me access to my money or tell me how they will use my money. i need my money. please help. i sent the selfies and id and a piece of mail. i suspect cash app as a scam company. maybe one day, i will know about cash app. 
there is no way a company can just refuses clients access without having a good way to verify the client account. no bank does that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I recently went over my credit report and notice there are late payments reporting with account XXXX XXXX Acct XXXX XXXX which are a violation. According to 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have not received any notice stating such for a statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ
Product: Credit reporting 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:
XXXX keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to COLLECTION BUREAU OF THE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a dispute claim with XXXX Credit Card issuer Elan Financial Service, the date of dispute XX/XX/XXXX for XXXX in the amount of {$730.00}. Since that date of opening the claim, the company XXXX Credit Card/Card Member Service/Elan Financial Service never requested supporting documents. The date of XX/XX/XXXX the case manager XXXX, called back from a spam phone # XXXX, stating that the XXXX claims department, had submitted supporting documents that says otherwise from what my claim was. I advised XXXX that I have supporting documents that support my claim, she advised if she did not received documentation by the end of business day of XX/XX/XXXX, she WILL close my case and I can take my matter somewhere else, I was appalled by the way of ethics they manage their claim process, I tried to explain that they are not allowing a reasonable timeframe for someone to provide supporting documentations, XXXX stated that it does not matter to her, if the supporting document was not received by XX/XX/XXXX, she would closed the case. I had to pay {$8.00} to have the documents fax as they requested. I called back and asked for a Supervisor to call me back. On XX/XX/XXXX I received another call from the same phone number by a Supervisor called XXXX, she has no idea why I requested the call back, & that they received their documentations and that was the end of it, when I asked about their ethic handling of their claims and threats, she just stated we do what we do and that is all. When she was asked if she listened to the call from the previous rep, her response was " we do not record those calls ''. Which basically means the handling of the call from either of them have no repercussion because they can say whatever they want without anyone listen to their handling of calls. When I asked if this was their way they conduct their case management process & their response was that once again, they do what they do.

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 2023-11-16
Company: Experian Information Solutions Inc.
State: MS
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: Their investigation did not fix an error on your report

Complaint:
I was an authorized user on my soon to be XXXX XXXX  account. He removed me from the account and I filed XXXX disputes with the credit bureau to remove the account from my credit report. XXXX reported to the credit bureau twice that I was still an authorized user. I contacted XXXX and they confirmed that I was no longer on the account but refused to give me anything to provide to the credit bureau and still continued to report inaccurate information to the credit bureau.

Company response to consumer: In progress
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: CA
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX and XXXX XXXX XXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: MOHELA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
MOHELA sent me a notification on XX/XX/XXXX that interest was resuming on my student loans on XX/XX/XXXX. This seems like an interest accrual grab by MOHELA for not warning me in advance of an important date. I could find no previous notification of this by MOHELA in my inbox.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
On XX/XX/30, in response to an inquiry on XXXX XXXX  to see if I could qualify for a car loan, I received an email from XXXX XXXX from XXXX XXXX XXXX XXXX XXXX requesting more complete data. At XXXX I called the XXXX number on the email, but did unfortunately not make note of the representative I spoke with. I gave her all the info requested, but in the course of the conversation she mentioned pulling my credit. I shared that I was just coming off a bankruptcy and expressly asked her to put a note in the file that they were ONLY to proceed with the application if a hard pull on my credit was NOT required. She said she would do that. That evening I got an email from XXXX saying that my application was declined, and also got an email alert from Equifax that XXXX XXXX  had in fact performed a hard inquiry ( AGAINST MY INSTRUCTION by phone and therefore UNAUTHORIZED ). I have emailed XXXX back and requested they remove the inquiry from my Equifax record and advise me when complete. I have not received a reply. I have been advised by Equifax that only a request from XXXX XXXX  can get this inquiry removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 recently checked my credit report and noticed i had some inquiries on my report that i didnt make or authorize 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 explanation
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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