BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-24
Company: Experian Information Solutions 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:
Experian credit reporting services consistently every 90-120 days intentionally with no notice on Experian credit services site intentionally decreases my fico score by exactly XXXX points for no reason at all from XXXX high goes down to XXXX, while my XXXX & XXXX credit scores consistently go up*Experian credit reporting agencies have Been consistently reducing my GOOD CREDIT RATING FOR NO LEGITIMATE REASONS WHENEVER THEY FEEL LIKE IT & Furthermore, I pay all my revolving credit cards ONTIME Each month, never late*Experian needs to cease & Decist false reporting my excellent credit ontime payments & Experian credit reporting agency needs to give This XXXX XXXX XXXX VETERAN  XXXX XXXX XXXX BACK HIS PLUS XXXX FICO SCORE POINTS THAT EXPERIAN CREDIT REPORTING STOLE FROM HIM FOR ABSOLUTELY NO REASONS THAT THEY CAN PROVE IN WRITING*ALL OF XXXX XXXX XXXX CREDIT CARD REVOLVING ACCOUNTS ARE PAID ON TIME WITH EXCEPTIONAL CUSTOMER PAYMENT HISTORY AND EXPERIAN CREDIT REPORTING AGENCY NEEDS TO BE ADVISED THAT EXPERIANS AUTOMATED SYSTEM REPORTING MY EXCEPTIONAL PAYMENT HISTORY NEEDS TO BE FIXED 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 2020-04-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
USAA DENIED ME MY RIGHT TO REPORT FRAUD ID THEFT XX/XX/XXXX. THERE ARE NO INVESTIGATIONS BEGUN XX/XX/XXXX. NO TEMP INVESTIGATION CREDITS TO BEGIN FRAUD INVESTIGATION. I complained XX/XX/XXXX statement What happened to XXXX fraud.?? see attatched transactiions XXXX USAA began fraud investigations with temporary credits. USAA REVERSED THESE CREDITS XXXX XXXX. ALL XX/XX/XXXX XXXX ARE DUPLICATE UNAUTHORIZED TRANSACTIONS {$470.00} of XX/XX/XXXX -XX/XX/XXXX I REPORTED UNAUTHORIZED XX/XX/XXXX XXXX USAA DISMISSED MY FRAUD REPORT 1 ) See attatched XX/XX/XXXX statement FUTHERMORE WHICH Confirms NO TEMPORARY CREDITS TO BEGIN INVESTIGATION TO MAKE PERMANET 10 MONTHS LATER 2 ) see attatched FRAUD CLAIM DATE LETTER OF XX/XX/XXXX Confirming XX/XX/XXXX FRAUD CLAIM {$470.00} * COMPLETED 10 MONTHS LATE. THERE ARE NO TEMP TO MAKE PERMANET. THERE ARE NO REFUNDED DUPLICATE TRANSACTIONS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Block, Inc.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened an account with CashApp. I lost my debit card. Upon receiving the replacement they advised me that my balance can not be transferred and that they were very sorry. They stole my money and its being held in escrow. Furthermore their customer service people cant speak XXXX so how are they able to understand my situation? CashApp are criminals and they stole my hard earned money. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Nationwide Credit Corporation
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried to work with this company several times with absolutely no help. Whenever I call either get someone with a horrible attitude or hung up on. I keep receiving letters and do not mind paying what we agreed but no one will call back or work with you yet they keep updating 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 explanation
Consumer complaint received 2022-10-22
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$5800.00} ; XXXX XXXXXXXX XXXX  XXXX ( Original creditor XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$220.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$6400.00} ; XXXX XXXX XXXX Date of request : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of request : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of request : XX/XX/XXXX ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22
Company: Experian Information Solutions Inc.
State: CT
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:
The unverified account listed below continue to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/2018 Balance {$4200.00}

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 explanation
Consumer complaint received 2022-08-02
Company: Incomm Holdings Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX, sent an email to their gift dispute email. 

I purchased several XXXX dollars of gift cards from XXXX XXXX in XX/XX/XXXX some were {$25.00} and several {$50.00}. On XX/XX/XXXX I had a couple debit card left over and I tried use a {$50.00} at XXXX and there was only XXXX cent on the card. 

I immediately went to XXXX XXXX and was informed the {$50.00} cards come in already loaded and the {$25.00} they load. 

On XX/XX/XXXX, I received an email back from Dispute Form Entry ( XXXX ) saying " please use this email as confirmation that your dispute packet has been received and forwarded to the Dispute Resolution team. You can expect complete resolution with 45-90 days. The outcome will be communicated to you via email. NO CASE number on the email and it have 90 days. Also, it stated, this mailbox is not monitored. 

I sent an email again last week, the balance is still XXXX cent and no communication received. Also, checked spam {$50.00} dollar may not be a lot to them, but I paid {$50.00} and they stole {$49.00}. 

Please assist me with this complaint. 

Thank you XXXX XXXX XXXX The Card # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Atlanticus Services Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I finished making payments to XXXX and they said my bank reversed payments from my account which they never did ... .I paid off credit card and the account was closed. Now over a year later they are saying their system says I still owe money ... my account is closed and they removed money from my account without my permission. This is banking theft!!! 
Fortive worst credit card company I will never use them again. 
I don't have the card anymore I threw it out. 
They were also supposed to have someone call me but never did!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: NC
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 sent a letter on XX/XX/XXXX to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2022-10-22
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: 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 items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report .Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here are 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 CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX & XXXX XXXX XXXX : {$250.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$6700.00} ; XXXX & XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 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 non-monetary relief
Consumer complaint received 2022-10-22
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: Personal information incorrect

Complaint:
There's incorrect personal information on 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 explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX is stating on my report that I am deliquent and they are not providing me with reasons why is the case. 

I have called them and they are not providing me with the information. With the other two credit agencies, there are no reports of this deliquency.

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 2021-08-03
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2018 I was having fraudulent activity on my account, no alerts, for ( 3 ) strait days, called them and why we were on the phone and they were trying to fix it, some one was undoing what they were doing as we were speaking, so I ask to freeze the account. Later if was charged off and you my money on the secured card at {$800.00},, a lil over {$200.00} had been spent, they move have it in collections, refuse to give back my money, and don't take it out of collections.

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 2022-10-22
Company: EQUIFAX, 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:
The unverified account listed below continue to report on my credit report in violation of federal law. These account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Butler and Associates, PA
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Is claiming to be collecting a debt on a pager from over twenty years ago. 
Sent falsified Court documents to XXXX and are garnishing my wages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: TRUIST FINANCIAL CORPORATION
State: WV
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:
On XXXX I made a payment of XXXX to an incorrect vendor. ( XXXX credit card services ) the XXXX card was actually " closed ''. However, The money was debited from my account on XXXX. After filing notarized documents, XXXX plus phone calls, being told that my claim is now being handled by a 3rd party ( XXXX  ) I still have not be returned the funds. I made the initial mistake... I can't imagine I am the first person to ever do this. I would appreciate the funds be returned. I would be glad to provide any other needed information.

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 2022-08-02
Company: EQUIFAX, INC.
State: NY
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:
The bureaus are reporting this XXXX XXXX account inaccurately. 

XXXX reports XX/XX/XXXX for the date of last activity while Equifax reports the date as being XX/XX/XXXX and XXXX reports the date as being XX/XX/XXXX. 

Also, XXXX has not legally investigated this account as XX/XX/XXXX is the last reported date. 

XXXX has never legally investigated this account as XX/XX/XXXX is listed as the last reported date, either. 

Equifax has clearly illegally re-aged this account. Also, Equifax reports additional positive payment history on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: OH
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:
There are a lot of accounts which are still reported when it is clearly inaccurate and violates the FCRA. The wrong balance, date and status should be a clear example.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22
Company: Incomm Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was given a vanilla gift card. I checked the balance on their web site and found out that {$490.00} of the {$500.00} dolls were already used aXXXX XXXX XXXX 
I called the company right a way. They said they put a hold on the card but I would have to call back a week later to see if they got the transaction stopped. 
I called back on XX/XX/22 they said the money had been spent. I would need to fill out and send back a form. I sent back the form. 
This company has stolen {$500.00} dollars from me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions 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  Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX  XXXX Account # XXXX XXXX, Account # XXXX XXXX  XXXX XXXX  XXXX Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX US DEPT ED, Account # 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 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 2022-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022 I received an email from Bank of America that my credit card application had been received. The problem is that I never submitted an application in XXXX. I looked on my XXXX credit report and found that someone had applied for an XXXX XXXX Credit Card with Bank of America on XX/XX/XXXX using my personal information. I immediately contacted Bank of America to let them know, they said they would monitor the situation and recommended that I report the fraud. 

I have reported the fraud to XXXX and now I'm submitting my complaint about it. 

I did get my own Bank of America credit card at the end of XXXX, so there will be another application that was approved in 2022 on 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 2022-08-24
Company: Chime Financial Inc
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Since XXXX i have had my account locked for an review for a month now i been wringing them everyday since sending things like selfies with my dl and passports documents verifying deposits i have been almost evicted because of late fees because i have had an account Ive called for two weeks no one can help me and i have been writing since last week and no one has responding back to me reguarding my request i dont even want they account cause this has been the absolute worst bank to be with never have your back i remember i got scammed for XXXX taking out of my account and they basically told me after 90 days they cant help me. I just want my remaining funds sent to me in a check so i never have to deal with this bank again. Another option is open the account like i was promised and let me transfer everything out. Tired of crying and being stressed bout money thats suppose to be mine and kept safe by an fdic bank chime needs to handle the customers better

Company response to consumer: Closed with explanation