BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.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 non-monetary relief
Consumer complaint received 2022-12-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Block, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Cash App Support Subject : Unauthorized Transactions and Reimbursement Request To Whom It May Concern, I am writing to address a concerning and ongoing issue regarding unauthorized transactions on my Cash App account, which have resulted in a total loss of {$2000.00}. Despite my consistent attempts to resolve this matter through various channels, I regret to inform you that the situation remains unresolved. 

Beginning in XXXX, I noticed several unauthorized transactions on my Cash App account that were made without my consent or authorization. These transactions amounting to {$2000.00} were undoubtedly the result of fraudulent activity that I had no knowledge of or involvement in. As soon as I identified these unauthorized charges, I promptly contacted Cash App support to report the issue and request a reimbursement in accordance with your company 's policies and consumer protection laws. 

Unfortunately, despite my repeated attempts to communicate and collaborate with your support team, the matter has not been resolved in a satisfactory manner. I have followed all necessary steps to provide evidence of the fraudulent transactions and to ensure that my account 's security is reinforced. However, I have received no assistance in recovering the funds that were taken from me. 

I believe it is essential to highlight that this situation not only constitutes a significant financial loss but also reflects a breach of trust in your company 's ability to secure its customers ' accounts and provide timely and effective support. I urge you to address this matter urgently, thoroughly investigate the fraudulent transactions, and take the appropriate measures to reimburse the {$2000.00} that was wrongfully deducted from my account. 

I expect a prompt response and resolution to this matter within 15 Days from the date of this letter. Failure to address this issue adequately may leave me with no choice but to explore further legal actions to protect my rights and interests as a customer. 

I appreciate your immediate attention to this matter and your commitment to upholding the security and integrity of your services. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any additional information or documentation to expedite the resolution process. 

Thank you for your prompt action in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, EQUIFAX AND XXXX Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
My home was destroyed by both Hurricane Ian and Nicole. Both declared disaster area. My home was unlivable. Freedom mortgage purchased my mortgage from XXXXXXXX XXXX in the middle of all the chaos. I had a forbearance from XXXX. I requested additional time from Freedom mortgage due to the fact of insurance delays etc. and that we were not able to get any federal assistance. I had never missed a payment with XXXX  prior to the hurricanes. Freedom started the foreclosure process on my home that didnt even have walls or air conditioning. I on my own financed the repairs and sold the home stopping the foreclosure process. Freedom mortgage suffered XXXX losses. They are now negatively reporting to my credit report of 3 missed payments causing great stress and robbing me of the ability to purchase a new home for 7 years. Aggressive and predatory tactics to ruin someones life while in turn freedom mortgage was paid in full. 
They are awful to deal with and every request has a 7-10 business day life cycle. My house was under contract and sold before foreclosure. 

There is no one to speak to This has been traumatic enough. Now Im in pergatory for 7 years? Please help. 
They suffered no loss and i suffered a lot.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: AXOS FINANCIAL, INC.
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I deposited a check for {$1100.00}. I was told these funds would be available in five business days. Then, on XX/XX/XXXX, ( the fifth business day ) I was told that it would be available on XX/XX/XXXX by the end of the day and given no reason for the delay. Today, on XX/XX/XXXX, they changed their minds and decided it would be on XX/XX/XXXX, and I was again given no reason. 

I asked to speak with someone from several different departments and was told there was no one else I could speak to. 

I have given this bank no reason to hold my funds for an extended period of time, and the funds have already cleared the account that the deposited check was written from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I received a card through the mail completely unsolicited. I phoned the company intending to inquire as to why. It was computerized so was tricked into activating to be able to speak with someone. Never was able to on 3 occasions. Waited on phone one time for over 45 minutes. Now I have a card activated that I dont want and I dont want to create an account online to cancel anything. Why are they allowed to put my name on any kind of a financial instrument without my knowledge or consent and send it through the mail? That happened yesterday. Received one from another company today. Whats going on? This isnt right. Cant get through to them either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX I am no longer with this company my loans were transferredXXXX XXXX wont update that my balance with them is {$0.00}. I no longer with them but they refuse to update information to credit bureau. When I speak with several representatives and supervisors no one does anything but tell lies like it will be fixed. My account was closed in XX/XX/2021 ALL my loans are transferred and with another lender. Please update this Balance XXXX to {$0.00}. They are not doing their job I have done dispute after dispute after dispute. I have a new lender please update this balance my balance is already with another lender 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 non-monetary relief
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am respectfully asking the XXXX, Equifax and XXXX Credit Bureaus, to kindly please REMOVE these items listed in this complaint. I am sending this complaint as a follow up in making sure that these items listed below are removed from my credit reports. I am asking that the 3 Credit Bureaus to please see the these items below and remove them in my credit reports : XXXX : XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the consumer credit reporting agencies for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and my right to privacy. 

On XX/XX/22, I submitted a dispute to The 3 Major Credit reporting Agencies Experian, XXXX, and XXXX regarding items on my credit report. I have attached the documents sent as proof! 
According to the FCRA, consumer credit reporting agencies are required to investigate disputes and respond within 30 days. However, They have failed to respond within this time frame, thereby violating my rights under the FCRA. 

Furthermore, I believe that the consumer credit reporting agencies have violated my right to privacy by reporting an account without my permission or written instructions. They did not provide me with any disclosures prior to reporting this account, which is also a violation of my rights under the FCRA. 

As a result of these violations, I have suffered significant harm to my credit standing and overall financial well-being. I request that the consumer credit reporting agencies be held accountable for their actions and that appropriate measures be taken to ensure that my rights are protected in the future. 

Thank you for your attention to this matter. 

Sincerely, 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 2018-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Re : Bank Of America account # XXXX To whom it may concern : Please consider this letter as my formal complaint against Bank of America.

I have sent certified/return receipt dispute letters to Bank of America requesting verification of this account in accordance with FCRA. These dispute letters were received by them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Bank of america was unable to verify/validate this account in accordance with FCRA. 

As this account was hindering my credit worthiness, and with Bank of America unwilling to correct their records, I decided to pay the full balance allegedly owed by sending a pay for delete letter and check. On XX/XX/XXXX I sent this contract along with a check for full payment in the amount of {$5100.00} in which they received on XX/XX/XXXX, and cashed on XX/XX/XXXX In the letter and written on the check were the following terms : By cashing this check, you agree to terms of this contract : -Show paid in full. 
-Remove credit items from reports -Cease collections Currently Bank of America has yet to correct their reporting according to the contract. They are still reporting a negative collection account in the amount of {$5100.00} to all 3 Credit bureaus.

I implore your agency to please assist me in having this unverifiable, and paid in full account, removed from reporting on my credit files. Bank of Americas practice is highly damaging to my credit and i would be remiss not to request your assistance with this issue. 

All return receipts, and evidence available upon request if not included in this complaint. 

Thank you for your time and assistance in this extremely important issue : My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX CC : CFPB CC : XXXX  CC : Attorney Generals office : XXXX XXXX Office of the Attorney General XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX XXXX U.S. Department of Justice XXXX XXXX XXXX, XXXX Washington, DC XXXX XXXX XXXX Office of Attorney General State of Florida XXXX  XXXX XXXX XXXX, FL 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 2021-10-09
Company: OpenRoad Lending
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Hello, I have been trying to refinance my vehicle. The company I am dealing with is OPEN ROAD. 

XXXX XXXX The OpenRoad Lending Auto Loan Savings Team XXXX XXXX XXXX XXXX # XXXX / XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX fax ( XXXX ) XXXX text msg XXXX After an approval was offered to me, they starting adding extras which I denied. Extended coverage protection for mechanical issue and also Gap Insurance. After my denial of these products added to my loan, the pace of the transaction slowed down a lot. 
Even though I requested calls from the loan helper, XXXX, after I leave work, because I have a new job and I am currently going through an extensive amount of training and I am unable to hold on the phone for 30 minutes or more when I try to call this company to follow up on my loan. They did call once or twice but at times I was not available at the times they try to call me. 
In the meantime they are requesting additional contingencies to move forward. It has been 3 weeks or more since I applied. The loan helpers work on commission so I believe that the picture changed when I rejected their added products. I did have the chance to speak to a XXXX, 2 days ago but she tried to push the Extended coverage and the Gap insurance on my loan, once again I denied that and I got disconnected. 
The loan assistant XXXX XXXX keeps asking me to log into the application to add the co-borrower, ( which is fine ), I do understand that. However, the link he has sent twice does not work and I do not seem to be progressing much with this company. 

Now, a person in my family was able to refinance her car loan and she did recommend their services, it looks like in my case I did hit a brick wall head on. This company has rather poor customer service practices and I fear for my private information in the hands of this organization at this point.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
on XXXX and XXXX ive sent letters to the XXXX XXXX and equifax about this fraudulent identity theft account ( XXXX XXXX Account Number : XXXX. ) they have on my report. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint which is attached. pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt of my last letter and XXXX, XXXX and equifax failed to do anything thats against the law its been more than 45 days It has been well over 45 days since my last letter on XXXX. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could send in a fraudulent account. In my last letter I asked to see a contract with my signature as proof and they have not sent me any proof that this XXXX XXXX, Account Number : XXXX belongs to me. 

under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave XXXX, XXXX and equifax any written consent to report anything on my consumer reports no consent is FRAUD. XXXX, XXXX and equifax are violating my rights and committing fraud Also this XXXX XXXX account is a charge off with a balance of {$840.00}. A charge off means XXXX XXXX  has written it off already has been paid. It is inaccurate for there to be a past due balance if it is a charge off. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 168li ( 5 ) this accounts in violation not reporting 100 % accurate. Another reason you must delete. 
Also I respectfully Contacted XXXX XXXX  and requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have not been able to provide such proof to me therefore you are reporting misleading false accounts.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can only validate this debt. I do not wish to validate this debt. The item must be deleted from the report expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Transunion Credit Bureau placed a fraud alert statement on my permission and I'd like it removed. Please remove the fraud alert statement from my 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 non-monetary relief