BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: NC
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: Other problem getting your report or credit score

Complaint:
i have sent in my ftc report social and id and they still refuse to update thier system or verify my identity even after i have supplied proof

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
A service of loan forgiveness which I believe to be a scam took out XXXX dollars in my checking account and I didnt have any funds ... therefore the bank added n additional XXXX dollar insufficient funds overdraft fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: GA
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:
there are several accounts on my consumer report that are fraudulent ive sent the credit reporting agencies ftc reports identity theft affidavts and police reports and the fraudulent accounts are still being reported from XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX these accounts are fraudulent and in violation of the fcra and fdcpa and i will take legal action this seres as a notice that if theses accounts are not removed within 15 days legal action will be taken for contractual law universal law and statutory violations violations of 15 usc section 1681, 1681b, 1681 c2e,1681he and fcra section 609 and fdcpa 804b

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: EQUIFAX, INC.
State: OH
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 received a copy of my credit report and noticed that Equifax was reporting  XXXX  tax liens. I then sent dispute letters to Equifax to get verification of these tax liens that are showing on my credit report. I received letters back from Equifax stating that these liens had been verified. I immediately placed a call to the courthouses and verified that they do not report to Credit Bureaus so I requested the method of verification since Under FCRA,  sec 611 ( a ) ( 6 ) and ( 7 ) I have the  right to request the method of verification from the credit bureau. And if they can provide me with the information they need to remove this tax lien.     I have yet to receive this information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: VA
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 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 2022-11-22
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I just tried to access my Citi Bank Savings account since I received an email saying that the APY was increase on my account to XXXX XXXX. While I was trying to log in i receive a message saying that the account was inactive and that I needed to call a number. I proceeded to call the number and it was respond by a call center in XXXX. They got my info and transfer me to a different department. After doing so, an agent responded by saying that my account was terminated and that they couldn't talk to me anymore and just hung up on me. I tried calling again and requested to talk to a supervisor in the US. They trick me and pass me over to another agent in XXXX that had less of an accent but still was not American and when I caught them on the lie they just told me that they didn't have any employees in the US. Please not that this is a US bank that hold $ XXXX of my money. That person then passed me over to a " supervisor '' in XXXX and this guy told me that my account was closed and that I should be able to get my money back within XXXX to 60 days. 

This is unacceptable. This is all the cash I have and this people think they can just hold it from me? I need to make a $ XXXX payment on friday that will result on a penalty if I dont and Citi Bank wont even pass me over to US representative to give me a solution or at least an explanation? 

How is it possible that one of the largest banks of North America dont have a single employee in the continental US to address this type of issues that are time sensitive. This has to be illegal one way or the other. I have no issues now or never had any discrepancies or issues with the IRS. I don't have kids so I don't pay child support. The only institutions that can freeze my money is the federal Gobverment and thats no the case.

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 2022-11-22
Company: SYNCHRONY FINANCIAL
State: SC
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 was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with SYNCB/JCP for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to XXXX XXXX As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 

The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.

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 2015-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have a derogatory mark from the state of Oregon child support division. I paid the account arrears and they were supposed to fix all this. The reporting is inconsistent and unfair.The dates logged on my report are not consistent with the previous reporting practices. I was retaliated on from an employee that made her personal problems mine. I then dealt with a different case worker.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with documents that their company has on file that was used to verify the accounts I disputed. being that they have gone well past the 30 day and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to delete the information which they can not verify that I have disputed. Thank you very much for all your help in making sure that Equifax remains compliant in all their dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
THEY DELETED A COLLECTION AND XXXX CLOSED CREDIT CARD ACCOUNTS ON XX/XX/2017 AND REINSERTED THESE ITEMS BACK ON MY CREDIT REPORT ON XX/XX/2017 WITHOUT GIVING A NOTICE OR REASON AS TO WHY THEY WHO DO THAT. I ATTACHED PROOF THAT IT WAS SUPPOSED TO BE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello my name is XXXX XXXX and my social security number is XXXX. 
I have a XXXX from the VA.Gov Veteran 's XXXX XXXX and The www.USA.Gov Government and I have to tell you in order for you to help me further in my research. 

My contact information is XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX In order to save Myself a mental breakdown you can ask Cash app/Square Company for ALL The customers support messages I have sent them. They have failed to do some refunds for some money stolen from me while I was XXXX XXXX XXXX XXXX XXXX 

The issue with my money is a refund I need on the amounts of $ XXXX, $ XXXX {$300.00} And any other issues u have I did recently open up a new account so I might have an old inactive account from cash app. 

My XXXX cash app account links are $ XXXX And $ XXXX ( I currently not use ) $ Antonioreyestx Please contact www.fcc.gov to get access to my phone records.

Maybe www.nsa.gov might have access too Please contact the cash app company. 

XXXX https : //cash.app/contact

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: FIRST METROPOLITAN FINANCIAL SERVICES, INC.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I answer call to keep them from annoying other references collected info they want to give me and date to pay. XXXX is in hospital and Ive told them Im making arrangements. Someone has called 5 times since then and say they can sue. Wont change situation but they are now blocked from texting bc they are abusing it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: CarMax, Inc.
State: GA
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:
Account for a XXXX XXXX with carmax amount of {$21000.00} is supposed to be closed. The account was paid on the first car note but car was return due to electrical issues that Carmax couldnt fix. So that XXXX has been paid on time and was only supposed to be reported on my credit one time and I proved that it was paid with them because they asked me to send bank statements ( as CARMAX STATED THEY HAVENT RECEIVE PAYMENT ). I had to run my credit again for the car I have with carmax now ( XXXX ) and they received car title for vehicle ( XXXX ) on XX/XX/XXXX meaning that account is not supposed to report to my credit report anymore and should be closed. Carmax didnt call or authorize with me to put late payments for a closed account on my credit report. They keep marking my report late and that I owe another car note payment which I dont because they bought the car back from me.This account needs to be remove immediately as it harming my ability to obtain credit and a house due to this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: WELLS FARGO & COMPANY
State: SC
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 was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with XXXX XXXX for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments XX/XX/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 

The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.

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 2016-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was given which is also a violation and I am requesting that all inquires be removed.

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 2016-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
i have always moniture my credit and noticed previous deleted inquries from XXXX somehow because reinserted on XXXX 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 2022-11-22
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a savings account at Citibank after receiving an offer. I have made 4 deposits via electronic transfer. Citibank flagged one as fraud from XX/XX/22. Citibank did not contact me via letter, phone or e-mail. I found out that a block had been put on my account, and Citibank refuses any request for the funds or even offering a solution. I have sent correspondence as well as have told over 15 representatives that there has been no fraud. I sent my bank account statement showing the movement to the Citibank account. Citibank has informed me that I may receive a letter and then it might take 30 to 60 days for the account to be closed and for me to receive the proceeds. I shpuld be able to access my funds now. Please 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 2022-11-23
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:
I disputed my account with Experian for XXXX XXXX  # XXXX and XXXX XXXXXXXX # XXXX They are reporting a charge off which is income. You can not have ordinary income on a credit report. They are defaming my reputation and falsely reporting misleading information on my credit report. I sent a dispute to credit central but they sent me a stall letter saying i was using a credit repair company but i am not. But i have right use a credit repair company to help if i desired. I will CC the attorney general and the XXXX XXXX XXXX All information om credit report should be 100 percent accurate

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 2022-11-22
Company: Security National Financial Corp
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, 2022 I closed on my home, and paid off my mortgage on XXXX XXXX, 2022 in full for the amount of {$300000.00}. 
I received an email confirmation that my loan was paid in full on XX/XX/2022 from the mortgage company, Security National Mortgage Company. 
According to Georgias Recording Office of XXXX XXXX, the Reconveyance ( Release of Lien Document ) was sent back to Security National Mortgage Company on or around the week of XX/XX/ 2022. 
I contacted the mortgage company on numerous occasions, and on my last conversation with XXXX XXXX which took place on XX/XX/ 2022, she stated to me that They can not find the Reconveyance letter that was sent by the Countys Georgia Recording Office and asked What is it that you want me to do. She stated this multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I just found out today my Bank of America XXXX XXXX credit card was closed by someone with the same name in XXXX. Why if they have been sending my statements to an address in AL they would start sending something to KY? How do a person with the same name except for middle initial close an account without providing security info? I am the primary and my husband was seconary, they said my husband closed the account, my husband was in the hospital in XXXX and still not able to use the phone. Where is the security, get this they ca n't reopen it for me or send me a copy of the letter they sent to the other guy telling him the account has been closed. It upsets me that anyone is allowed to manage your accounts.

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 2022-11-22
Company: SYNCHRONY FINANCIAL
State: SC
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 was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with SYNCB/XXXX for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 

The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.

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