BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax is reporting a Public Record Released Tax Lien XXXX I wrote them many letters along with the letter Released and withdrawal letter but this public record is still on my Equifax credit report where all other credit bureaus deleted this public record. 
Attached is the letter from IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have filed a complaint to IQ data international last year for they threat me to hurt my credit. ( no one ever send me bill to make any payment and asked me the payment information directly in the phone. I reject to provide them my payment information and their employee threat me to hurt my credit if I don't pay the bill right away. And I still keep the voice record ) The IQ data international send me the response last year XX/XX/XXXX and clearly my case has been marked as dispute. But, I ran my credit last weekend for making purchase of a car and I found that they reported on my credit report. They had not just threat me, but also put in action. I believe that I am not the first one got hurt on credit by this company, and if the government not take control this situation I am will not be the last one be threat and hurt on credit. They have over drive their power. I truly believe that my government should'n allowed any one done such thing to their legal taxpayers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: GOLDMAN SACHS BANK USA
State: FL
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:
On the XXXX Rewards credit card, they forcefully converted the card from a cashback program to a points program without providing any exception to redeem for those who did not want to convert. They have an option to link the points from the card to an existing XXXX Rewards account, but the option has not functioned for the past 9 months. They deliberately make it difficult to find their phone number, not including it on their website and I had to use a search engine which found it in their terms and conditions, they outright refuse to provide an email to contact as well. Before the conversion to points, they changed their rewards program to allow redemption for a gift card ( up to {$200.00} per year ). This appears to be a deliberate attempt to deny access to earned rewards as their website is not allowing access to points earned on the card, and if you attempt to redeem by phone they advise you can only redeem for gift cards on their website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I received an email from cash app about my account being a business account and if i recieved XXXX or more i'd get a tax form. I do not or have never owned a business. I spoke to their chat advocate and was told I converted my account on XX/XX/2022 and they have been collecting a 2.75 % fee on all my transfers. I never accepted this change nor was aware until I received an email about changes to the tax code and about maybe receiving a tax form if received XXXX or more. This would affect my taxes and I was not aware about any of this till now. This is an unfair tactic they used to collect fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: M&T BANK CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I am the employer and the bank continues to make calls to employee at place of work, directly to Management 's phone line.

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: Experian Information Solutions Inc.
State: MD
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 have noticed several inquires on my credit report that was never authorized nor approved. XXXX XXXX Bank are on all 3 of my credit reports. I do not have any accounts nor ever applied for a credit card. XXXX XXXX Bank is on my XXXX report. I have never even applied for any bank or credit card accounts. The only legitimate inquiry is from XXXX XXXX, which is only on my Experian credit report. 

This is the result of identity theft that I had reported to the police. The police report number is # XXXX. Complaints and fraud reports are being processed with identitytheft.gov and with the Social Security Administration. A complaint is also being processed with XXXX XXXX Bank and XXXX XXXX Bank.

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: State Collection Service, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Improper use of my report from State Collection Service , Inc . This collection agency is violating my rights under the No Suprise Act of XXXX I have a medical bill that an out of network provider is charging me without my prior authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Aargon Agency, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed money to XXXX XXXX XXXX and paid it in XXXX 2015. Now I am getting letters from AARGON Collection Agency, XXXX months after I paid, that I owe this debt collector. I have the cancelled check showing payment.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-12-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Equifax allowed my report to be double pulled/double reported by XXXX. I have attempted to dispute this multiple times, as it has caused me denial of credit. My file should have only been shared once.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have written Equifax twice about a collection that has no account name asking for more information. They do not respond to me. 

It reads : Account # XXXX. {$97.00}. XXXX/XXXX/2013

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-01
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have tried on multiple occasions in my dealings with both the Fraud department and most recently the Office of Consumer Affairs to have them change my current address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Unfortunately, in my several attempts to upload the necessary pages of my lease, apparently the online system to which a consumer is to upload does n't work. Henceforth, I am trying to utilize the method to get this rectified accordingly. I am attaching a few pages of my lease for verification purposes and would appreciate someone reaching out to me to let me know if in fact additional documentation is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

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: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I purchased a new camera, figured new XXXX gift for myself a bit early. It was set to arrive on XX/XX/XXXX, tracking says package is delivered - I get home and nothing is there. I chat into the support team and they tell me to wait XXXX hours and chat back if nothing is there still. So In figure yeah, maybe it was just marked delivered on accident so I continue to wait the XXXX hours. On the XXXX, since the support team told me to wait XXXX hours as the package may arrive then, I decided to also purchase the gimbal kit I was looking at so they would arrive the same day. 

XX/XX/XXXX comes along, gimbal package is marked as delivered - I get home and nothing is there. At this point I assume they were snatched from my porch ( I live alone, no one else was there at the time to bring them inside. ) I chat into the support team again and they say they started the process for refunding both items and I just need to wait for confirmation emails at this point. So I wait for the confirmation emails and they eventually come in - now its a waiting game for the refunds to apply so I can just go into the store and buy them there instead of worrying about a porch pirate again. 

Then today on XX/XX/XXXX, I get XXXX emails ( XXXX for each of the packages ) saying that the investigation was complete and they're unable to provide any refund or replacement. So what am I supposed to do at this point as I've spent the money and didn't get the items, as they were stolen? The tracking on the packages even shows that a signature wasn't required. Absolutely insane for such an expensive item.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-22
Company: U.S. BANCORP
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home mortgage is serviced through US Bank.

My escrow account has a large positive balance remaining after all insurance and property taxes have been paid for the year. This is due to the actual tax bill being much lower than anticipated ( the property was assessed by the county before the house construction was finished ). 

I requested a refund of the excess money on XX/XX/XXXX ( taxes were paid on XX/XX/XXXX ). I was told they would have to perform an " off cycle escrow analysis '' to determine the amount to be refunded, which would take XXXX business days. I was told this would be completed by XX/XX/XXXX. On XX/XX/XXXX there was no refund issued, so I contacted the bank again. This time, I was informed that the analysis was not performed, as there was no change being made to the monthly escrow payments. 

Once again, I requested a refund of the excess money, and was told it would be another XXXX business days to process it, even though they already knew the exact figure that was to be refunded. This is absolutely unacceptable. After speaking with a supervisor I was told they would put a rush request on it, and it would be processed by XX/XX/XXXX. It is now XX/XX/XXXX and nothing has been processed. 

The bank is withholding my money that I have overpaid to the escrow account and is refusing to expeditiously refund the coverage. If I made a late mortgage payment, I would be hit with penalties and it would be reported to the credit bureaus.

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: CAPITAL ONE FINANCIAL CORPORATION
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Capital One Auto Finance # XXXX BALANCE {$10000.00}. 

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 response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
The creditor did not verify this debt per FCRA rules within 30 days after receiving notice. 
I asked for verification and their balance reported to the bureau differs from what they claimed I owe. Without validation of the debt as per FCRA, they went on to report despite numerous letters to them. I have attached all relevant documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This agency is reporting an account that is unverifiable and very old past the statute of limitations. Several disputes processed and a request to validate directly to this company with never a single response. How is Equifax able to verify when I ca n't and its on my credit file? I want this removed as it is a remark violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed the information with Equifax XXXX times. The confirmation numbers of the dispute are XXXX, XXXX and XXXX. Each dispute flows from these XXXX numbers. I am on my XXXX attempt to correct the inaccurate information and information that does not belong to me or information that is beyond the reporting toll ( years to be reflected on the report ). The ironic thing is both XXXX XXXX and XXXX acknowledge the inaccuracies and have removed them from my credit report but Equifax refuses which tells me they have not done their due diligence in accordance with 15 U.S.C. Section 1681 ( e ), Section 1681 ( i ) ( a ) ( 1 ) ( A ) and 1681s-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment to my Comenity card which was cashed by Comenity in XXXX. I filed a dispute with them TWICE and sent in a copy of the cancelled check. They are not responding to me or applying payment. I called today and they told me they need more proof. What other proof is there other than a copy of the check that they cashed?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-30
Company: EQUIFAX, INC.
State: NV
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter in regards to mistaken and obscure things on my credit report. Right up 'til the present time, more than 30 days after the fact, I have not gotten a reaction at this point. I feel like I'm being taken advantaged of and being overlooked. Section 611 ( a ), It expresses that inability to research these things inside 30 days gives motivation to quickly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased immediately. I request that these records be erased quickly or I will petition for case because of the pressure you have caused me. My data was likewise affected by the Equifax data breach and may have gotten under the control of some unacceptable individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dear CFPB, today, XXXX XXXX, 2015, I recieved via regular mail, harrasing letter from a agency called XXXX XXXX, XXXX concerning a debt that I have no knowledge of. I will be sending this agency a debt dispute and a letter to stop harrassment through the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: Convergent Resources, Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have filed a claim against this company before.and got a judgement in my favor.and now there back on my credit report please help me thank you.!!!!! i dont know my case number

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was liviing in XXXX NJ and subsequent to becoming XXXX and I had immediately received assistance for my heat ... gas and electricity provided by XXXX . 
In the new year XXXX XXXX, I moved over an hour away and NEVER re received any notice of owing any amount due, HOWEVER. .I did receive a postcard forwarded that stated the fund had unassigned benefit for XXXX only to be paid to the XXXX account for my profile on record. 
I called and explained I had moved and had no bill and of course the credit I had completed a timely request for consideration was approved already and I had no action to take and to my surprise. I received the postcard and apparently the move had me off their system as per XXXX. 
I was advised in I believe XXXX with the organization requesting the information to assist so that they would be able to find me to confirm my status and to receive a 3rd party Attempt to Collect a Debt not owed, is bold at the very least and having not planned the incident that affected many, and needless to say, my personal self, my accustomed income through strong sense of service abd purpose, to add to this, so many negative responses through my credit and almost half either paid, insured or on this case, a serious lack of communication since XXXX was initially bouncing payment back and I handled it and as quickly as that, in turn they, The XXXX Local Branch advisd me of the payments rerouting and paid in full give a few extra dollars, I never heard back to support the actions of Convergent. ( The copy of what I received today is attached in this email. ) Again, unapplied funds in my name under my XXXX acct number for XXXX XXXX in XXXX were rerouted to XXXX XXXX XXXX to 3 yrs now. 

I Thank You in Advance for Your Time and Attention! 

Gratefully, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
The student loan XXXX is not accepting my bankruptcy for student loans for XXXX XXXX  The school is no longer open and I can not get my college transcript

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 2016-06-20
Company: TFC Credit Corporation of California
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I attended XXXX and graduated. I was told that I would receive my certificate two weeks after my graduation. I waited and received nothing. I called the school and was told that I needed to finish paying my student loan prior to receiving a certificate. My husband has numerous degrees and said that he never had to wait to pay his loans prior to receiving a degree or certificate. Then XXXX closed its doors and went out of business. I still get billed by the company that I received the loan from, however, I have no certificate or promise to receive one from XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have FHA mortgage for 5 % with bank of America since XX/XX/XXXX. XX/XX/XXXX I had foreclosures on small land for {$25000.00}. Three years after foreclosures I went to Bank of America to apply for refinance ; 15 years mortgage, 3.0 % interest rate at that time. They refused to refinance because my foreclosures was less then 7 years. I know now that FHA mortgage needs only 3 years after foreclosures. They intentionally lied to me so they can charge more interest rate for many years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation