BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: GA
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXXXXXX 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 2023-05-24
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 U.S.C. 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 explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting act XXXX Accounts below, 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. I have reached out via letter phone through the credit bureaus and I have been turned down and I have not gotten any response it is affecting my credit score and me being able to move and acquire Assets so if you can please review the information below I would appreciate that bankruptcy shouldve been deleted off my account after paid off! 

XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$3100.00} Closed XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX  $ XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX as XX/XX/XXXX {$11.00} REPORTED Account Originalv : XXXX XXXX XXXX : OPEN ACCOUNT : THIS IS AN ACCOUNT IN GOOD XXXX XXXX XXXX Daid as XX/XX/XXXX {$190.00} {$190.00} REPORTED Account Originallv : XXXX XXXXOPEN ACCOUNT- THIS IS AN ACCOUNTNCOODSIANDINGI XXXX XXXX XXXX Unknown XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX CONDITION/STATUS : ACCOUNT IN DISPUTE - REPORTED BY SUBSCRIBER ( XXXX XXXX XXXX XXXX XXXX as XX/XX/XXXX XX/XX/XXXX {$0.00}

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 2022-07-01
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX XXXX XXXXXXXX, ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX  XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX, ACCOUNT # 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 explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: CA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 

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 2023-05-11
Company: Block, Inc.
State: KY
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX, and XX/XX/XXXX, I made two separate purchases using my CashApp card on XXXX plus for delivery from store. The money, {$96.00} and {$69.00} was taken out the time of purchase. Yesterday it was taken out again. When I contacted Cash App about being charged twice, they said the money was never originally taken out. Which it was on those dates it was never pending. cash app omitted that there was a glitch in the system and that they had updated the payments to reflect and everything was right with my account which it is not. Im out almost {$170.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Credit Karma, LLC
State: MS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a {$1500.00} tax refund advance deposited into a credit karma spend account from XXXX on XX/XX/2023. Credit Karma randomly locked my card after confirming several transactions from my virtual debit card on XX/XX/2023 and XXXX cant unlock the card and I cant get in contact with anyone from Credit Karma. Apparently this is happening across their entire network and I want my money ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: BlockFi Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
recently when I was yelling at kroll reps on the phone and i was told they didn't have any information about me, and I needed to submit XXXX  documents to them. now it comes out that they had information about me and were " hacked '' and leaked it. i have already been receiving threats due to the criminal conduct of XXXX/kroll/XXXX/XXXX etc . I demand to know what information they had, and who " hacked '' it. ( or more likely who sold it to whom ) I also want kroll to start paying me for a personal security force to defend myself from bodily harm due to their criminal actions and negligence. Was the information " hacked '' by a state actor?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Subject : Formal Complaint - Bank of AmericaXXXX XXXX XXXX and Service Issues Dear Consumer Financial Protection Bureau , I am writing to lodge a formal complaint against Bank of AmericaXXXX XXXX for significant service and accessibility issues that I believe violate my rights under the Americans with Disabilities Act ( ADA ). 

As a customer with multiple XXXX, which render prolonged phone conversations difficult, I have encountered a severe lack of accessible communication methods with the institution in question. My repeated attempts to retrieve my own funds have been met with exceptionally long hold times, reaching up to four hours on several occasions. As I draft this complaint, I remain on hold, reflecting a distressing pattern of non-responsiveness. 

In my pursuit of a resolution, I scheduled a call with an advisor, only to be redirected back to the same inaccessible line. This pattern indicates a concerning lack of appropriate service and accessibility provisions, constituting a clear violation of the ADA. 

This systematic hindrance, coupled with the institution 's apparent disregard for my concerns, gives me reason to believe this could be a deliberate attempt to discourage customers with disabilities from accessing their own funds, forcing them to continue using inadequate services. 

Having trusted this organization with my funds twice, I am dismayed by the lack of proper service and disregard for my rights as a customer with XXXX. If this situation persists, I am prepared to pursue litigation to assert my rights and retrieve my money. 

I respectfully request the CFPB to investigate this matter and enforce the necessary measures to ensure Bank of AmericaXXXX XXXX adheres to the regulations set forth by the ADA and provides appropriate service to all customers. 

Thank you for your attention to this matter.

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 2022-07-01
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I made a bank account with Wells Fargo. On XX/XX/XXXX XXXX I deposited a check worth {$870.00} into the account. When I tried to take cash right after I deposited the check I was told to come back the next day. Then on the same day I received an e-mail that stated my account would be closing on suspicion of identity theft. The email said the account was expected to close by XX/XX/XXXX. Once I saw this email I went back to the physical branch the next day to ask what happened. They told me I would be able to make a new one but the first one would have to close. I asked about my money and they said as long as I get my money about before the account close everything would be fine. The money never got deposited into my account and then on XX/XX/XXXX I got an email saying my account was officially closed. When I saw this email I went to a branch to find out what happened to my money. I had to wait in line for an hour if not longer only to be told to call the loss prevention phone number. I then had to wait on hold for over an hour before a representative answered and told me to go back to a physical branch and have them call the same number they gave me and then they would co-ordinate what to do to solve the issue. The 3 weeks that followed were me trying desperately to retrieve my money as the bank gave me excuse after excuse like " There's a hold on the account, '' or " we have already mailed the check. '' Finally I decided to go one last time and say I wouldn't leave until I got my money. After waiting in line for almost an hour and a half, I had to beg the teller not to send me home empty handed. She then told me if the money didn't reach the account it probably wasn't deposited and I should go to my employer and ask for a new check. I then went to my employer and was then told the check had been deposited and there was nothing they could do for me. So here I am now over three weeks later being told I have to wait for a letter which I've been told was either never mailed or was mailed 2 weeks ago. I have been stressing over this for three weeks now needing the money to contribute to my rent. It is utterly absurd that this happened in the first place and it is unacceptable how the people at the bank handled it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
my account was charged off by XXXX XXXX XXXX. In XXXX of 2022 i made a payment of {$200.00} to one of my credit cards with the bank. In the same month they took another {$200.00} which was not authorized by me. I called XXXX XXXX XXXX and they refunded me the money. By the month of XXXX i was trying to make a payment online and it rejected my payment saying i have to contact customer service. Contacted them and was told i have to get an authorization from my bank in order to make a payent on my accounts. I went to my bank and got this info & uploaded it. XXXX  XXXX XXXX  went ahead and charged off the accouns i had with them. Never did i get such notice of this " charged off ''. I have never missed a monthly payment with them. I had fully paid for one before the account was charged off ( {$170.00} ) XXXX  XXXX XXXX  send both the account to delinquency without sending me a notice although i provided all the info they requested. The second account was also paid ( {$920.00} ). I checked my credit account and it is still saying i am in delinquency. Both accounts charged off has been paid for. I would really appreciate if they could remove my informtion from their list of delinquencies. Please see receipts attached for as my proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX, XXXX XXXX Acct # XXXX balance {$160.00}, XXXX  XXXX XXXX  Acct # XXXX balance {$21000.00}, XXXX  XXXX XXXX XXXX Acct # XXXX balance {$51000.00}, US BKPT CT Pa XXXX Acct # XXXX XXXX, XXXX XXXX XXXX Acct # XXXX balance XXXX. 

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 explanation
Consumer complaint received 2022-07-28
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: Account status incorrect

Complaint:
there was an update on XXXX XXXX XXXX account saying charge off on XX/XX/22. Account been closed for years. It was never a charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: ALLY FINANCIAL INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I contacted Ally Financial in XX/XX/2022 regarding an auto loan I was unable to pay after falling ill to XXXX and being without pay for 3 months. They agreed to accept 1 payment immediately and allow me to pay extra for a couple months to catch up. But after taking the payment by phone they continued to bill me normally which resulted in me falling even further behind. It's disheartening to have these guys misrepresent what they're willing to do in order to get a payment and makes trusting anything they say very difficult. They've now reposessed the vehicle without providing me with the required Notice of Right to Cure or the Notice of Right to Redeem. I've contacted them and they've been completely uncooperative, and misleading, with one Agent in the Redemption Department telling me that he wasn't allowed to provide his full name ( XXXX ) or allow me to speak with a Superviror, and that my only option for getting my car back was to pay the full amount past due as well as late fees and that I'd have to pay the company that reposessed the car. These charges have stacked up to over {$4000.00} total. XXXX assured me that that is Ally 's policy and that they have no program to assist customers having these sort of issues. With times being so difficult on everyone, and the Federal Government helping U.S. Companies, including Ally, I find it difficult to believe that Ally would be so abrasive and hostile towards customers and refuse to help.

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 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 these creditors have violated my rights under 15usc1681section 602 States that I have the right to privacy 15usc1681 604 A ( 2 ) also states a consumer reporting agency can not furnish a account without my written instructions.Under 15usc1666 ( b ) States a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.

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 2022-07-01
Company: CHARLES SCHWAB CORPORATION, THE
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2022 : Open Charles Schwab brokerage and checking account ; XX/XX/2022 : Deposit brokerage account {$10.00} ; XX/XX/2022 : Deposit checking account about {$5000.00} ; XXXX : Accounts are locked ; XXXX : Some calls to unlock the accounts and it said it was under review ; XX/XX/2022 : Call to unlock the accounts and still under review ; XX/XX/2022 : Call to unlock the accounts and still under review ; XX/XX/2022 : Call to unlock the accounts and still under review ; XX/XX/2022 : Call to close the accounts and it said the closure request is under review ; XX/XX/2022 : Call to close the accounts and still under review ; XX/XX/2022 : Call to close the accounts and still under review ; XX/XX/2022 : Call to close the accounts and still under review ; XX/XX/2022 : Call to close the accounts and still under review ; XX/XX/2022 : Call to close the accounts and still under review ; Basically, Charles Schwab locks the account for about half an hour for review. When I tried to close the accounts, Charles Schwab held the transfer of the remaining balance for about two months. I still don't get the remaining cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have sent several letters to the credit bureau agencies, and they have failed to comply with my investigation request. They will remove an item and re-insert it without providing me with any proof of verification.

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