BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My cash app acct is $ XXXX  I sent {$20.00} pre-delivery service for a sofa. 

Total and balance would be paid in full once sofa was delivered. ( {$60.00} ) I cashed app XXXX XXXX $ XXXX {$20.00} right after she cut me from group chat and all communications with me. 

I immediatly reported the her account as Scam in a cash app and requested a refunsed which she rejected. 

I followed cash app step by step instructions for my refund and nothing. 

I decided to call Cash App Saturday but customer service line is only open M-F. 
Monday I personally taled to a cash app rep and they said they can not refund my money!!! this unaccetable. 

I know I am not the only victim here, we work hard for our money to give out to a scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
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:
I have noticed the following accounts reporting incorrectly for the following reasons : XXXX XXXX XXXX account # XXXX reporting I was 30 days late XX/XX/XXXX, this was during the COVID-19 shutdowns and is not accurate. I paid this account timely for over 7 years. Please remove the 30 day late that was furnished to the credit bureaus in error. 
XXXX XXXX XXXX account # XXXX Inaccurately reporting I was late 30 days in XX/XX/XXXX. Please update this negative information furnished to XXXX, Equifax & XXXX correctly. 
XXXX XXXX XXXX Mortgage account # XXXX Reporting I was 120 days late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is not accurate. The account was paid those months. 
Therefore, pursuant to the FCRA and FDCPA, I am requesting an investigation, as the accounts listed above are not being reported accurately. Additionally, I am requesting proof that you did investigate and the investigation was reasonable according to the standards set forth by the FTC. Please, 3. Provide me with proof of the method used to investigate all claims. 
4. Provide me with a complete and updated credit report. 
Additionally, I am asking the above creditors to behave appropriately during this investigation period, if any action is taken which could be considered detrimental to my credit, furnishing false information to other creditors with respect to this account during the investigation period, that would be in violation of the FCRA, FDCPA and FBCA. This includes any information to a creditor that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2023 I purchased {$500.00} ( + {$9.00} fee ) of XXXX  using my debit card. I then tried to transfer it to someone, and I got an error and it was denied. I then sold it so I could transfer it a different way and Venmo is now holding my funds until XX/XX/XXXX. This is hostage of my funds, and they should not be holding it. Ive used crypto for years and have never once had a company do this. This is completely dishonest in no way shape or form should they be able to hold my funds. They refused to refund my original purchase to my debit card or to do anything to resolve this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
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 : ACCOUNT # XXXX, both XXXX  ACCOUNT # NOT SHOWING, XXXX XXXX  : ACCOUNT # XXXX, XXXX  XXXX : ACCOUNT # XXXX, XXXX XXXX XXXXXXXX  : ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX ACCOUNT # information is incorrect delete account. 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 non-monetary relief
Consumer complaint received 2021-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have sent letters to XXXX, XXXX  and TransUnion on XX/XX/2020 and XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 4 months and I have not received a response from any bureau yet. I feel like my dispute letters are being ignored and that my voice does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report. Since it has been almost 4 months, these items should be deleted immediately. I demand these accounts be removed or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

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 2023-05-05
Company: EQUIFAX, INC.
State: TX
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello there, I have been a capital one card holder for over 13 years and never had this issue but I was late on my card that I forgot I even charged and wasnt allowed to have courtesy late fee waiver?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: CARD Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
OnXX/XX/XXXX there was a transaction labeled XXXX XXXX XXXX for {$5200.00} that was debited from a card I closed ending in XXXX, and the company sent me a new card. Stated the funds from old card were to be transferred. Received new card and couldnt transfer funds as funds were no longer there and a transaction labeled XXXX XXXX XXXX onXX/XX/XXXX with the funds that were in account. I called company and everyone acted oblivious as to where my funds were or would keep saying they would give me updates and nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2022 my account was closed without any notification because my account was charged the XXXX fee for having the account and there was only XXXX in the account so they just automatically closed it and I've had the account for 13 years and anytime the fee is charged next time you add money ot takes the balance off instead of just closing without notice or notice that the debt needed to be paid I called and they said oh well its our new policy and the new policy was never mailed to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-04-27
Company: Experian Information Solutions 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-22
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I first tried to find when my monthly statement would be available ( day of the month .. date or XXXX  XXXX  or something like that ) on the website. 

I tried using their " Live Chat '' only it is misrepresented because it is not a live chat .. just a XXXX bot. 

Then I tried emailing and got an email back ( several days later ) that said they were too busy to reply to my email and provided a list of useless, non-applicable, general links that failed to address my problem. Obviously a human nor a smart AI never read my email. 

Then I tried calling and after waiting 3 hours.. I hung up.

Just imagine if I had a real problem.

Why is it OK for NelNet to waste my most precious commodity- my time.

Great Lakes ( my previous loan servicer ) was WONDERFUL!!!!!!!!!!!!!!!!!!!

Which government agency ( a specific person would be great ) had oversight in approving the sale of Great Lakes to NelNet. They certainly didn't do their due diligence or quality customer service must not have been a criteria in approving this merger. It is obvious to me through this experience that NelNet is more concerned about making a profit than it is about helping customers in a timely fashion .... or in my case .... even at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: LA
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:
There are names and addresses reporting that dont belong to me. 
there are closed accounts reporting after 7 years. 
there are inquires that report that I dont know about. 
there are accounts reporting differently between the reporting agencies.

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 2022-04-27
Company: Strategic Alliances, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt paid for toll charge with XXXX directly to XXXX for rental agreement XXXX in the amount of {$100.00}. XXXX confirmed with attached statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
A letter was sent to Transunion Credit Bureau to revise my credit report information on the phone application XXXX XXXX  sponsored by XXXX XXXX. I received no response. XXXX XXXX was emailed directly and failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 did not initiate these inquiries in section 1681b ( c ). no permissible purpose. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. FTC attached XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 2023-06-06
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Fraud protection errors related to a recent home address change and overdraft fees

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 2023-01-23
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING LLC is attempting to collect an alleged debt not owed to LVNV FUNDING LLC by me. See attached letter and proof of contact. LVNV FUNDING LLC shall immediately cease and desist any communication with me in the attempt to collect any debt. I plan to exercise my lawful constitutional rights should LVNV FUNDING LLC communicate with me in the attempt to collect any alleged debt. 
SEE ATTACHED LETTER TO LVNV FUNDING LLC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: OK
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 XXXX has violated my rights 15 usc 1681 section 602 a states i have the right to privacy. 15 usc 1681 section 604 a section 2 it also state 's a consumer reporting agency can not furnish a 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 2019-04-08
Company: Bridgecrest Acceptance Corporation
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I have been told to send my situation to you. The problem is I had to default on an auto loan. Within a week of the finance company, BridgeCrest, reporting to me credit bureaus, I started receiving phone calls from solicitors several times a day. I used an email address for this loan that I only have used for 2 other contacts. I also started receiving spam emails & emails that contain inappropriate content. I have followed all the information to get these things stopped, with no avail. I just know that BridgeCrest released my private information to be used by these companies. Every time I receive a phone call, I do not answer & block the number. They call from a different number. I have over 70 phone numbers blocked and just deleted them in the beginning. I am looking for information to report BridgeCrest and the agency that calls me 2-3 times a day.

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 2019-04-08
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Please refer to my earlier CFPB complaints : XXXX XXXX XXXX XXXX There is more than 1 hour of hold time with Ally bank. 
For no good reasons even my online access was blocked and account was frozen. 

due to which XXXX Credit card bill of {$1000.00} was delayed by more than 4 days. 
I have a credit score of XXXX and never had this issue in 19 yrs for me. 

which was suppose to be paid from my ally bank account ending in XXXX But i was told by ally on weekend that my accounts are also frozen. 
chatted to XXXX ( XXXX ) they told that my account is past due 2 days. 

I have all the money into Ally bank only and NO other account. 

My credit score being XXXX and i have had this issue in last 19 yrs ... 


I just have to sell 5 stocks of XXXX XXXX at loss ( short term loss ) from my XXXX XXXX account just to have enough money to pay for the credit card bill so that there is no impact on the credit score. 

As you can see from the Screenshot*.jpg how long this wait is. 

Finally I was able to get hold of Ally fraud team. 
Given them instructions to " Please feel free to take out {$3200.00} from my checking account ending in XXXX and deposit into the XXXX XXXX account so that there is no negative balance. '' But i had 4 days of late payment ( possible impact on credit score ) plus overall loss by selling 6 stocks of XXXX XXXX ( loss plus taxes on that )

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