BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
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: Credit inquiries on your report that you don't recognize

Complaint:
I don't know why these inquiries are on my credit report. XXXX refused to remove them and told me to contact the companies that made them. There is no information to contact these companies ( no phone number or address to dispute inquiries ) and XXXX doesn't even give the full name of the company. So how am I supposed to contact all of these companies? Here is a list of all the inquiries that are incorrect : XXXX Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX, XXXX Address XXXX XXXX XXXX XXXX, XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX, XXXX Address XXXX XXXX XXXX XXXX, XXXX  XXXX Date of inquiry XX/XX/XXXX EQUIFAX MORTGAGE SER Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX, XXXX Address XXXX XXXX XXXX XXXX, XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX, XXXX Address XXXX XXXX XXXX XXXX, XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX Address XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX  XXXX Date of inquiry XX/XX/XXXX EQUIFAX MORTGAGE SER Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX EQUIFAX MORTGAGE SER Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$66000.00} ; XXXX XXXX XXXX Balance : {$9400.00} ; XXXX XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$9400.00} ; XXXX XXXX XXXX Balance : {$14000.00}.

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 2022-12-20
Company: Data Mortgage Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We originated and closed our loan in XXXX with XXXX XXXX XXXX. We took possession on XX/XX/XXXX. All our insurance for hazard and flood ( we are in a flood zone ), taxes, were all in the original escrow account. XXXX XXXX sold the loan after one month to Essex Mortgage. We received their statements with the correct loan amount and all insurance and tax premiums in the escrow account. 
After 10 months of paying the mortgage and escrowed monies we got a frantic call from our insurance provider, XXXX, saying our flood insurance premium was not paid and they had notified Essex two times with no response. I called Essex on XXXX XXXX and spoke with customer service and explained the flood insurance was almost expired. They directed me to their insurance department who refused to speak with me ... .they said I was not on the loan, that is a false statement as I am listed on the loan, but they did say there was not any escrowed account for flood insurance, that is false. I called Essex customer service back and told them of the issue with the flood insurance policy and the insurance department refusing to speak with me, and the policy almost lapsing and was told it would be taken care of. It was not, the flood insurance policy through XXXX would not extend the payment deadline. Again I called the Essex XXXX department who said they made a mistake but refused to make the premium payment in time to avoid a lapsing of policy. After repeated phone calls to Essex customer service who also admitted the error, but said again they could not make the payment in time ( they had several days to do so but refused to expedite it. Two hours before the flood insurance policy was to cancel my wife and I used our XXXX  money to pay the flood policy. We basically live paycheck to paycheck like most people so paying the flood policy was a huge financial burden for us ... .because we had been paying it all along in the escrow account that Essex said did not exist! Essex said they were sorry, they would correct the error and send us in writing the new process to cure the issue. That has not happened and Essex now says there is now a shortage in our escrow account and they are raising our mortgage next year. They have completely failed in their fiduciary responsibilities and are trying to illegally raise our XXXX XXXX payment for no reason. We need help against this mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 am XXXX XXXX and I am reporting this on my own behalf. XXXX, Transunion, and XXXX are reporting incorrect information on my consumer report. 

In accordance to the Fair Credit Reporting Act, 15 US CODE 1681 ( a ) ( d ) ( 2 ) ( A ) ( i ) : the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 

By law, a creditor may not treat a payment on a credit card account as late for any purpose and since I never gave my express written instructions to furnish this, the late payments on my consumer report are incorrect and have been made in error.

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 2023-01-04
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from 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 2022-12-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have earned rewards money ( in XXXX ) using my XXXX Citibank Visa credit card and I am unable to redeem it because XXXX employees are telling me ( on XX/XX/XXXX ) there is an error code. Citibank 's website is also giving me an odd error message when I try getting the rewards reissued.

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 2022-12-22
Company: TD BANK US HOLDING COMPANY
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:
XXXX, DATE OPENED XX/XX/XXXX, AMOUNT {$2000.00} FILED FRAUD NEVER GOT RESPONSE. 

XXXX XXXX DATE OPENED XX/XX/XXXX, AMOUNT {$760.00} FILED FRAUD NO RESPONSE. 

XXXX XXXX DATE OPENED XX/XX/XXXX, AMOUNT {$1400.00} FILED FRAUD NO RESPONSE. 

XXXX XXXX DATE OPENED XX/XX/XXXX, AMOUNT {$2400.00} FILED FRAUD NO RESPONSE XXXX XXXXE DATE OPENED XX/XX/XXXX, AMOUNT {$300.00} FILED FRAUD NO RESPONSE XXXX XXXX XXXX  NA DATE OPENED XX/XX/XXXX AMOUNT {$4900.00}, FILED FRAUD NO RESPONSE NORDSTROM/TD BANK XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$490.00} FILED FRAUD NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Block, Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I filed an unauthorized withdraw from my Cash App card a month ago. And still haven't heard a word.It was for {$130.00} XXXX know the name of the company that is responsible for this.. Also Cash App has shorted my balance by {$100.00}. And they drag out the process of making this right. For days! I mainly would just like to get the word out.To not do business with Cash App.Their customer service is the worst of any. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was enrolled in a hardship program with a representative on a recorded conversation XX/XX/31 and XXXX The lady insisted that if I made a payment and enrolled in program to get me caught up with my payments that I would not be reported to any credit bureaus as late. 

Today, I was notified that my account is reporting late now and this is now going to affect me for the rest of my life. 

The phone call and messages are all recorded. 

I need someone to contact me, contact all three bureaus and fix this immediately. This is so detrimental to me and if I had known this would Happen I would have did everything in my absolute power to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions Inc.
State: AL
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 has not furnished me a signed contract showing that I have a valid debt with them. This account needs to be removed off my credit report because this is a violation against the law, XXXX. This letter that was sent is from XXXX whom I do not have a signed contract with also, radius global has failed to XXXX XXXX valid proof of debt with them. Remove this account off 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 2021-10-05
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/21 I received a call from XXXX stating she was a compliance officer and was sending someone to my work place to make contact with me and take me in for a court proceeding. She couldnt provide me any information pertains to her office name, address, location, etc. she gave me another phone # XXXX and reference # XXXX. She then called my work and told my operational manager I was rude to her because I was asking for her company information. I then called the # and gave them the reference # and spoke with XXXX and XXXX XXXX both were not able to give me any company information other than the company name of Assurance and that it was for a debt with Ace Cash Express. I asked who do I pay. They told me at this point they dont want my money they are coming after me. But they still wouldnt provide me any information as to what kind of case, case #. They told my operational manager they were coming to apprehend me and couldnt provide her with much information either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which 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 are not relating to any transaction by the consumer. 
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 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 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX # XXXX Account : XXXX # XXXX Account : XXXX # XXXX Account : XXXXXXXX XXXX  # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX  XXXX XXXX # XXXX Account : XXXX XXXX  # XXXX Account : XXXX XXXXXXXX # XXXX Account : XXXX XXXX XXXXXXXX XXXX # XXXX 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-22
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I told the company I never had this debt and don't owe any money this account is not mine 30 days ago they even failed to verify the debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: SOUTHSTATE CORPORATION
State: SC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023 first time we opened a XXXX where South State bank provide us information of XXXX at XXXX XXXX rate for 7 months. That time bank representative never explained how bank calculate the interest rate. As per our conversation even Bank employees also unaware of calculations of XXXX. South State Bank promised XXXX XXXX for 7 months. At the end of term we only got around XXXX XXXX instead of XXXX XXXX.. When we complained in CFPB. Bank never accept their fault, instead bank gave a explanation of second time XXXX That we knew how bank calculate. So first time XXXX 's problem is mo where to found. Bank closed the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
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:
i have been disputing the following accounts for months and yet they all still appear on my credit report. i have mailed in proof, highlighted the errors and yet they keep coming back as verified accurate. EQUIFAX has violated 15 U.S. Code 1681n and 15 U.S. Code 1681o for CONTINUING TO ALLOW THESE CREDITORS TO REPORT INACCURATE AND INCOMPLETE UNVERIFIED INFORMATION ON MY CREDIT REPORT. 


XXXX XXXX Account Number XXXX XXXX HAS INCOMPLETE PAYMENT HISTORY. EQUIFAX IS REPORTING THAT I WAS LATE FOR XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX BUT THE PAYMENT HISTORY IS INCOMPLETE AND DOES NOT REFLECT HOW MUCH WAS PAST DUE. I'VE ASKED EQUIFAX TO VALIDATE THIS INFO BECAUSE IT'S INCOMPLETE OR UPDATE THOSE DATES TO CURRENT ON TIME AND THEY HAVE FAILED TO DO SO. 

XXXX XXXX XXXX XXXX XXXX  Account Number xxxxxxxxxxxx XXXX THE PAYMENT HISTORY FROM XXXX TO XXXX IS INCOMPLETE AND REPORTING NO DATA ( FCRA VIOLATION ). DELETE THIS ACCOUNT FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX  Account Number XXXX XXXX I ASKED EQUIFAX TO SEND ME VALIDATION OF ME BEING LATE AND THE ACTUAL AMOUNT FOR THESE DATES : XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX BUT THEY FAILED TO DO SO. PLEASE UPDATE TO PAID ON TIME AND CURRENT OR DELETE THE ACCOUNT FROM MY CREDIT REPORT. 

XXXX XXXX  Account Number XXXX XXXX XXXX INCORRECT ACCOUNT NUMBER AND INCOMPLETE PAYMENT HISTORY PER MY CREDIT REPORT PULLED FROM XXXX. DELETE THIS ACCOUNT FROM MY CREDIT REPORT. 

XXXX XXXX XXXX Account Number XXXX XXXX THIS ACCOUNT IS REPORTING FALSE AND INACCURATE PAYMENT HISTORY ON MY CREDIT REPORT. I NEVER AGREED TO " TERMS '' OR ANY CONTRACT WITH THIS COLLECTION COMPANY. ALSO EQUIFAX IS REPORTING THIS ACCOUNT UNDER THE " CLOSED ACCOUNT SECTION '' YET THE ACCOUNT STATUS IS FALSELY REPORTING THIS ACCOUNT AS A " OPEN ACCOUNT ''. I WANT THIS ACCOUNT DELETED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Foris DAX, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I became victim of a scam last XXXX by a company called " XXXX '' through which I invested about {$13000.00} on cryptocurrency via CRYPTO.COM. They used all types of incentives to have me put in my money. All my transactions had been from my XXXX accounts through Crypto.com to their fake digital wallet on my profile. I realized that I was being scammed when I was told to pay taxes on the " fake '' earnings that were posted in my account on their website. Knowing that only the IRS has the authority to collect tax on investment earnings, I started digging more and found out the whole platform was fake. I confronted them and they threatened to freeze my account. I reached out to XXXX  for assistance with no success. " XXXX '' cleverly orchestrated a prevalent scheme of deception to lead people to invest significant sums while knowing that those would-be investors would ultimately lose the money, they had entrusted to it. The overall purpose of the scheme was to target and defraud people who are often inexperienced and nave, in pursuance of illicit wealth through various fraudulent representations. I did not know, and through the exercise of reasonable diligence could not have discovered, the fraud that was being perpetrated upon me by the Company. As a result of this, I was deceived into transferring my funds for investment returns that were never delivered. I will certainly never receive any monetary value for the investments considering the way the Company had their scheme rigged thus causing significant economic damage to me. I put in claims through XXXX and provided proof of all the fraudulent activities that had been a victim of, unfortunately they denied XXXX of them. I hired a XXXX party company, XXXX XXXX XXXX to help me build a case against both XXXX and Crypto.com. XXXX has not been responsive at all and XXXX completely denied all the claims. The 3rd company promised they would do everything to help me get my money back but I have not heard from them for about 3 months. I also paid the company a retainer to start the process. We entrust Banks to safeguard our hard earned money. Financial institutions are well aware of the scope and nature of cybercrimes as related to cryptocurrency and the risks that these pose to their clients, who, in contrast, mostly have limited knowledge of these dangers. Scam victims have relatively little freedom of reactivity ; under such circumstances, they respond immediately, instinctively, and invariably to the specific demands of the perpetrator. Being able to consciously refrain from reacting in such a way is extremely difficult and sometimes impossible. This complex issue has caused substantial harm to me and other people who have been victims of the same schemes. Those institutions should implement controls to protect people like me with no investment knowledge as we are the main preys of those predators.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are massive amount of unauthorized inquiries on my credit report. I have reached out to the creditor and all 3 credit bureaus. These are all unauthorized and I have no knowledge of these inquires. See below. 

XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX PLEASE REMOVE THESE FROM 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