BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: Block, Inc.
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On today e have not been able to establish credit from the accountant as given permission to transact my account before the loan management and asked us to give them a report on locating my money and did not allow me to establish credit to my account for the banking needs so I contacted the tag name and as ripped off declined to refund the payment assured in the calculation of the pay pal unit and lost the money to the cash app user.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been in a financial hardship so I was late on making a car payment. My car had some repairs. I asked if I can get an extension if I was to make a payment? USAA rep says they can not guarantee I then ask well how can I get an extension? XXXX the rep I spoke with on XX/XX/XXXX says I have to be current. I then say ok so if I make a payment am I able to get an extension? XXXX then says she can not guarantee. <<<so either way she is saying no. I then get this email stating the opposite. You can not get an extension if your past due. What???!! I just asked if I could if I made a payment. This is a deceptive practice I was able to get one a couple years ago but now they dont know if I can? Rep is lying then sends me an email. Please get involved w Usaa and please advise them of the deceptive and unfair treatment they are doing with their consumers. This is not right and need to be sued.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital One Quicksilver Card I opened up a card as I wanted to take advantage of the balance transfer offer they gave me. I called in XXXX and gave them my information to pay off another credit card I have. After a few weeks, I noticed my old credit card was never paid off. 
I called Capital One to inquire, and upon talking, discovered they sent the check for the balance transfer to the wrong address. They advised me they would stop payment on the check and reverse everything, including fees assessed for the transfer. It is now XX/XX/XXXX, and I still have this balance on the CapitalOne card and my other card as well. I call every week or so and inquire and am always told it takes 1 to 2 billing cycles. Today I called, once again, as it is again the end of the billing cycle, and told no it will be reversed next billing cycle. I ask to speak to someone higher and the customer service rep sends me to their supervisor, who gives me the same explanation and says nobody is above them. So now I have a balance transfer on my card Capital One card for the past XXXX going on XXXX months that never even made it to the card I was paying off. Meanwhile I have payments due on money I never even received. Meanwhile I am forced to make payments on money I never even received! Capital One sent the payoff check to the wrong address and it never made it to the card I was trying to pay off with the Capital One card. So Now I have a balance of {$960000.00} on the Capital One and on the card I wanted them to pay off.! This is unacceptable that I have almost a {$10000.00} balance on the Capital One card that I never even received the money as well as {$10000.00} on the card I was trying to pay off. It is messing with my credit, my credit score as well as my mental health as I am stressed that I have this much outstanding credit on my credit report and am unable to get credit now as a result! This whole process started mid XX/XX/2022. There is absolutely NO reason this should take this long to clear up my account. If I dont get some satisfaction, I will be contacting a lawyer and also the XXXX XXXX XXXX . Im tired of being told different dates every single time I call in.. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to dispute the recent incorrect charges and late payments that have been reported on my XXXX account. This account was closed in XXXX, and I am concerned that late payments for XXXX are being inaccurately reported. I request your immediate attention and assistance in resolving this matter as this has caused me extreme financial harm. 
I have carefully reviewed my credit report, and I was surprised to find that late payments are being reported for the year XXXX on the XXXX account. This is inaccurate as the account was officially in XXXX, and I have not made any transactions or late payments on this account beyond that date. 
These inaccuracies on my credit report may negatively impact my creditworthiness and my ability to obtain a home. 
The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and up-to-date information on consumer credit reports. 
I encourage you to view the documentation that I have attached to this compliant as it contains the letter I've sent to XXXX and XXXX, along with a copy of the inaccurate reporting.

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 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Reviewing my credit reports as of XXXX XX/XX/XXXX, I noticed that an account named ChildSupport Enforcem / Account # XXXX is reporting on my reports as " C '' for collections. I've never been notified by any agency/bureau/entity informing me that a Child SupportEnforcem is in collections. Furthermore, The reports reflect that there is No Data " ND '' for XX/XX/XXXX, based on the XXXX report. TransUnion credit report as of XXXX XX/XX/XXXX reflects paid collections, while XXXX credit report as of XXXX XX/XX/XXXX, reflects multiple months of " ND '', and Paid Collection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: FC HoldCo LLC
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:
I have asked flagship to remove this off my credit, I did not give written consent for this loan to be reported, late payments has been reported inaccurate. This has cause several denials for other things Im trying to purchase. 

In accordance with the Fair Credit Reporting act Flagship credit acceptance account # 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 a account without my Written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Please remove this account from my credit file.

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 2023-03-21
Company: CITIBANK, N.A.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
My identity is stolen due to my wallet and spare phone ( synchronized everything with my primary phone ) was stolen around XX/XX/2022. My identity includes my driver 's license ID, photos on the phone ( including myself holding the driver 's license ID for identity control verification required by my employer and credit card photos ), passwords to banks and emails, and several physical credit cards. I noticed many international fraudulent charges to seven of my credit cards : ( 1 ) XXXX XXXXXXXX XXXX XXXX, {$4400.00} ; ( 2 ) XXXX XXXX XXXX XXXX, {$12000.00}. I never authorized any of the transactions in a total of the above amounts. I contacted CITI via phone and sent out the victim reports via XXXX XXXX. It's been several months and the fraudulent charges are still not resolved. I provided the police report to support the fraud activity ( XXXX ) but the bank does not cooperate with the ID theft process and requested I to be in charge of the balance. The bank has been requested me to provide information to be in charge of the transactions that were made by fraudulent parties even though I provided the ID theft information multiple times.

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 2020-07-16
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: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVE THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. 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 accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-12-01
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX XXXX  has send me a letter stating the account is not delinquent but the servicing company XXXX XXXX  hired by XXXX XXXX  is reporting incorrect information to the credit bureaus and reducing my credit scores. Documents showing the same are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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 status incorrect

Complaint:
XXXX XXXX  has send me a letter stating the account is not delinquent but the servicing company XXXX XXXX  hired by XXXX XXXX  is reporting incorrect information to the credit bureaus and reducing my credit scores. Documents showing the same are attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 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 2023-02-03
Company: EQUIFAX, INC.
State: LA
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 sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The moment I received the duplicate of my report that I purchased with XXXX dated XXXX, I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were COLLECTION and INQUIRIES accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these collection and inquiries accounts. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX 
Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address. 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 2022-11-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXXXXXX XXXX XXXX Balance : $ XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : $ XXXX SELF-REPORTED XXXX Balance : $ XXXX SELF-REPORTED XXXX Balance : $ XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$840.00}

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 non-monetary relief
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: GA
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 Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible when the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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. 


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 2022-11-01
Company: EQUIFAX, 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:
XXXX XXXX, XXXX ( Account Number Unknown ) has violated my rights 15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Consumer Reporting Agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Block, Inc.
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:
Cash app will frequently cancel payments your sending and claim to either refund them immediately or at a later day however they do not ever refund them I've talked to my bank I've gone through my statements I have not received the money back nor were the payments ever sent. Cash app tells me that they have been refunded and to talk to my bank and my bank tells me that there is absolutely no refund ever from cash app. None show up as credits or refunds in my XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened an account with ALLY BANK during the 1 % match XXXX XX/XX/XXXX. Transferred {$30000.00} from XXXX and {$31000.00} from XXXX XXXX. Email from ALLY states XXXX transfers has failed and money should go back to external accounts. The missing money is still gone. Its been over a month now and still no money at external accounts or at ALLY BANK. Multiple calls to ALLY customer service stating that the money was sent back to external account and each time they tell me i have to do a dispute process with the external banks. Multiple hours wasted talking to external accounts, all they see is that the money got transferred to ALLY and left their ledger. Disputes were filed and XXXX as of XX/XX/XXXX with a XXXX way call with ally states from their investigation that money should still be at ALLY bank. ALLY states that Incomplete transaction disputes are the only way to get my money back. Multiple rounds of back and forth but no one knows where the money is. I must have spent over 7 hours on the phone with these banks. Who can i contact to straighten this out? attached is ally reference # XXXX and 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 2022-10-07
Company: Shellpoint Partners, LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to a new servicer listed below. I provided my fully paid Hurricane insurance policy declaration and also had them communicate with insurance agent directly. They still imposed very expensive " lender imposed WIND insurance '' that depleted my escrow account and increased my monthly payment by {$400.00} with NO NOTICE! I'm very upset, I have spent considerable time trying to upload the insurance policy and communicate with them, but they did not advise me adequately. The higher monthly payment caused an OD on my account. I need all that money back! 

NewRez LLC XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX ID # XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief