BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX Equifax To a lessor extent : XXXXXXXX XXXX XXXX XXXX Both XXXX and Equifax are NOT correctly reporting on citizens that pay off their credit card balances IN FULL every month. This can cause GRAVE damage to all Americans credit scores and can cause citizens to pay higher interest rates on ALL of their lines of credit. 

Real life Examples : My charges to XXXX XXXX vary in a given month, BUT, the balance is paid in full no matter the balance! 

Prior to ( XX/XX/18 ) Friday, my credit scores were XXXX. 

They dropped XXXX points, and when I complained, reporting the issue and giving XXXX XXXX  as a witness to my payment history, they lowered my score AN ADDITIONAL XXXX points, XXXX total. This due to me charging several home appliances and upgrades to my XXXX XXXX. 

Not only is this fraud, on a national scale, imagine the damage to US consumers! 
Lower score, resulting in higher monthly rates. 

I took this to XXXX XXXX, them knowing my payment history, and they themselves refused to up my credit line to reduce the ratio of debt to full line of access, even though they are responsible. 

Accidentally or intentionally, they as a whole entity, not sure of XXXX XXXX involvement, conspire to unfairly raise rates and improperly/intentionally report payment history resulting in fraudulent charges to all. 

Recap : Credit Bureaus using individual monthly consumers charges to lower their credit scores, despite not only a perfect payment history, but a payment in full every month for years history. Effectively destroying their promise and fulfillment of rewards by giving 1 % at the expense of irrepairable damage to consumers credit reports. 

All 4 companies are participating willingly. I notified all 4, 2+ times each. 

My recommendation : prevent customers credit card scores by mandates that Credit Card Bureaus add a balance in full, effective balance XXXX to all payment history ( ies ) If a balance is XXXX then XXXX then XXXX the next time capture, this should NOT effect a score if the balance is paid IN FULL on every monthly billing. 

Or warn retirees that pay their balances in full every month that they may need to send daily payments to their Credit accounts. 

Clearly the XXXX XXXX rewards program is a scam, along with the Credit Bureaus intentionally incorrect reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, The following accounts listed below do not belong to me. 
Please remove both accounts completely from all three credit bureau 's. 

XXXX XXXX  - Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Thanks in advance for your assistance regarding this request. 

My contact information is as followings : XXXX XXXX XXXX Mobile phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
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 information incorrect

Complaint:
XXXX reported 2 late payments over 60 days in XXXX to Experian. The company spoke to one of the account holders and due to financial hardship, agreed to allow these payments and assured that they would not be considered late or affect credit. 

I have an excellent payment history aside from this and would never have allowed these delinquent payments. The company refuses to respond to several emails I have sent to request evidence that the payments were due ( I received no statements or text messages that payments were due or late, which is how they would have alerted me to it ). 

Experian has declined multiple disputes and I am hoping to have these removed as the company provided inaccurate information and now refuses to respond.

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 2023-10-11
Company: EQUIFAX, INC.
State: MD
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:
In accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: CITIBANK, N.A.
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:
MACY HA AND INQUIRE ON MY CREDIT THAT I DIDNT APPLY FOR

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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2023-05-19
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a Apple Saving Account which is backed by Goldman Sachs. I deposited a total of XXXX into my account on XX/XX/17. On XXXX ( almost a month later ) I initiated an ACH to my personal banking account ( XXXX XXXX  XXXX XXXX I was told the XXXX would take XXXX business days. After speaking to multiple people I called back in on XXXX and was told my initial funds of XXXX had not been verified and my withdrawal to PNC was being sent back to Goldman. As you can imagine I am very upset with this. This is 100 % legit my money and it shouldn't take a month to verify my funds. Goldman has not been able to provide me when my funds will be verified, even though I see the total savings on my apple savings and have even accrued interested from Goldman.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
1. I paid Equifax credit monitoring services and a complete disaster.

2. I have tried to resolve this matter since the Data Breach of Equifax either leaked my information with knowledge. There Data was hacked and leaked millions of users and or information with knowledge for a profit. 
XXXX. XX/XX/2019 from Equifax a check {$120.00} would be refunded as I paid for credit monitoring. 
4. I can not obtain my credit report at all for the last last 18 months. I properly called annual credit report.com and receive a notice from Equifax with my name spelled wrong stating I received a credit report in the last 12 months which is false.

5. I never received a refund.

6. I emailed and phoned with zero assistance or responses.

7. Equifax basically leaks millions of credit files and the company XXXX XXXX XXXX basically creates a Class Action Suit and pockets 75 % of Equifax having to pay for there unethical behavior. This is precisely XXXX XXXX XXXX is doing. Took the Data settlement and did not pay consumers. These three Lawyers filled there pockets. I also will be filing a FTC complaint to ensure an Audit is conducted.

8. This is such a vicious circle. I am filing a complaint with the CFPB who does not read the complaints. Only Equifax will read the complaint. What is the point of hiring warm bodies that basically work from home and contracted out with zero experience. The only way this matter which is legitimate will become known is if I email the XXXX of the CFPB. Its sad that so many have legitimate cases and a very high percentage of these banks, creditors, continue to commit fraud. I guess the kick backs are good to turn a blind eye. 
XXXX. SEE ATTACHEMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Block, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX DEMAND LETTER FOR PAYMENT From XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Cashapp XXXX XXXX XXXXXXXX Dear Cashapp, I, XXXX XXXX XXXX am writing this letter as my final notice for payment. If there is no response to this letter by XXXX XXXX. All legal rights and proceedings shall be explored. Including but not limited to legal proceedings necessary in accordance with state and federal laws. 

This notice of demand serves as official notice to you and may be tendered in court. As evidence of your failure to cooperate. If legal action is to occur to resolve this legal matter. It may involve having you pay attorneys fees. 

I am owed {$1300.00}. On XXXX XXXX i received a payment to payment from cash tag XXXX XXXX in the amount of XXXX. I realized this was an error and immediately sent the money back to the cashapp user. On XXXX XXXX cashapp debited my bank account for the same amount of money that was already returned immediately to the user. Stating that user XXXX XXXXXXXX filed a dispute with her bank. And therefore Cashapp is entitled to collect the funds. 

Cashapp has asked me to recover the funds from the cashapp user, but her account XXXX XXXXXXXX can not be accessed. XXXX XXXXXXXX has called Cashapp multiple times to regain access to her account to return the money to me. But nobody has helped her to regain access to her account. 

The point of the matter is that cashapp illegally debited this money from my bank account. cashapp has failed to communicate with XXXX XXXX bank and advise them through the investigation that the money was already returned immediately to the user. Even though a dispute was filed. Cashapp does not reserve the right to collect on funds twice. I have suffered irreparable harm from this ordeal and I am willing to pursue all legal options. 

I have attached all evidence. 


We hope to resolve this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I reported a number of fraudulent withdrawals from my Citizens Bank accounts ( checking and savings ). When I received confirmation letters from the fraud division, three claims were missing. I called and re-reported these claims in XX/XX/XXXX. Most of the claims, all of which were ACH, were repaid, but the bank denied two claims ( a check on XX/XX/XXXX in the amount of {$1000.00} and on XX/XX/XXXX in the amount of {$300.00}, both of which were clearly fraudulent ). They claimed that the denials were because my reported claims were untimely, but they repaid some older claims. And the first time I reported the claims on XX/XX/XXXX, the XXXX was was within 60 days and the XXXX was just outside of it. If you looked at the checked ( one written by and to XXXX XXXX and one by and to XXXX XXXX with my name nowhere on them ), they are clearly fraudulent. The bank failed to use even a modicum of proper care, good faith, and due diligence in care of my accounts. 

Even more, I have spent many hours on the phone with representatives of the bank and the fraud division and have been given conflicting and false information. One person at the fraud division on or about XX/XX/XXXX told me that I had to call the branch for the denied claim. I called the branch and the person I talked to told me they have nothing to do with fraud claims, and he believed the person just wanted to get me off the line. 

I have been a customer for decades. Even with low expectations for a commercial bank, I'm disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: DISCOVER BANK
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 status incorrect

Complaint:
Discover bank continues to show I am past due on a charge off account. There are no payment no due dates and the account has been charged off and balance remains. I have tried to pay multiple times and discover has refused to accept money from me. The Date of first delinquency is past the statute of limitations. This account should not be on my bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
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: Information belongs to someone else

Complaint:
I checked my credit report and found that some of the data wereincorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: MD
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Bread Financial Holdings, Inc.
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:
XX/XX/XXXX -received a voice mail from a XXXX XXXX from comenity capital bank referring to me in my maiden name XXXX received same voice mail message, I decided to XXXX  the bank and did not recognize it. I checked my XXXX XXXX report and saw that my credit score significantly changed. Upon further review I learned that an account was opened on XX/XX/XXXX with a balance of {$5500.00}. I reached out to the bank and spoke to XXXX to whom I provided my information, she advised the address on the account is NOT MY ADDRESS so she asked me to provide my address so correspondence can be mailed to me in regards to the account. I provided my phone number and email address as well, immediately I received an email asking to confirm I requested the change. XXXX advised they would forward my case to the investigation department. I was told I would receive a letter within 90 days and the balance should be brought down to zero and should be removed from the credit bureaus if confirmed the credit card was opened fraudulently. The card has XXXX charge made on XX/XX/XXXX under " XXXX  XXXX XXXX '' in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: AR
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:
XXXX XXXX will not verify any information they are reporting on my credit report i have filed several disputes yet this negative reporting still continues without cause

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: Self Financial Inc.
State: CT
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:
In XX/XX/XXXX, I made an unfortunate decision to open a self-credit building account, which required me to pay a monthly fee along with a certain amount. The purpose was for them to report this activity to my credit history and eventually refund me the amount I paid after 12 months. However, unbeknownst to me, in XX/XX/XXXX, they opened a credit card under the same account without my knowledge or consent. To make matters worse, they deducted approximately {$200.00} from my protected loan without my permission and transferred it to this unauthorized credit card. Additionally, they charged me a yearly fee of {$25.00} without my prior knowledge. I remained unaware of these actions until XXXX when I discovered a late payment on my credit report, resulting from the non-payment of the dues on this unexpected credit card. 

It is important to note that they wrongfully took money from me without my consent, as I had not been informed or involved in these transactions. I have documented my interactions with them while attempting to have this account removed from all three credit bureaus. If they fail to rectify the situation by removing this account from my credit report, I will be left with no choice but to pursue legal action against them. I believe I have grounds for several legal claims, including Unauthorized account opening : ( They opened a credit card without my consent or knowledge, which is a violation of consumer protection laws. ) Unauthorized deduction : ( They took around {$200.00} from my protected loan without obtaining my permission, which constitutes unauthorized access to my funds. ) Hidden fees : ( They charged me a yearly fee of {$25.00} without disclosing it upfront or obtaining my consent, which is deceptive and unfair business practice. ) Credit reporting negligence : ( Their failure to inform me about the credit card and subsequent non-payment resulted in a late payment appearing on my credit report, potentially causing damage to my creditworthiness. ) Again I have meticulously documented my interactions with them in an effort to resolve this matter. However, if they do not take immediate action to remove the account and rectify the damage caused, I will proceed with legal action to seek compensation for the harm, inconvenience, and potential financial losses I have suffered due to their misconduct.

Company response to consumer: Closed with non-monetary relief