BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have a Bank of America checking account with XXXX money transfer connected to it on my XXXX. On XXXX XXXX I tried to contact XXXX to get a refund for a damaged car part I had ordered. I got connected to someone who claimed to be from XXXX but really wasnt. He led me to download Any Desk App and enter a code XXXX on my XXXX account. When I complained he said that was necessary and that would be returned with the next transaction. He fumbled around and I got suspicious and finally cut off the call and called B of A immediately to report a scam. They told me they blocked two of his attempts but a third had gone through for {$490.00}. They told me to put in a claim for {$490.00} and on XXXX XXXX they rejected my claim saying they followed my instructions and they had not made an error. They ignored the issue that I was scammed. I recently read an article that according to your regulation E that I am entitled to a {$440.00} claim from the bank.My bank account ends in XXXX and my claim number is 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 2018-02-20
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: Information belongs to someone else

Complaint:
In XX/XX/XXXX I received a notice of identity thief. After contacting equifax about this matter, I paid for a report, dated XX/XX/XXXX. Equifax had a lot of information wrong on the report. I went through a rigorous amount of paper work, phone calls to try to get this all corrected. The fraud was a student loan that was not my signature. After contacting the collection place XXXX I had to do a police report and send in documents supporting. This took several attempts along with Equifax not having correct information too. I sent copies of my ss #, driver license, correct address etc all supporting documents to All three Credit Reporting Agencies, IRS, My attorney, so that it would be cleared up. 3 yrs is too long to have to keep taking time from my busy schedule to keep reaffirming my correct information. It was all cleared up in XX/XX/XXXX. The collection company sent a letter, as did the IRS. Now the issue is that Equifax still has Wrong information, that they were to remove but didn't. When a company is asking to verify who I am, and all of the questions are pulled from my credit report ... ... .the questions are wrong because I never lived at the incorrect address information, nor the student loan questions. I have tried to clear this up with Equifax and again to verify who I am, they want me to answer security questions that are not correct information. There has to be a more efficient answer for security questions, If they go by the questions off a credit report, then that credit reporting agency should have correct answers that only that person would know, like what is favorite nephew questions, ( information that I would only know ) not someone who has a copy of my file. My credit union was asking me to verify myself, and it was pulling the questions and answers from an inaccurate credit reporting agency. On XX/XX/XXXX I logged on to eqifax website to get a free credit report and after answering the security questions with the correct answer of NONE above, it denies me access. I call and they want me to verify with the same WRONG information. 
Help, I am so wore out over this merry go round with them. I had disputed information with Equifax all XX/XX/XXXX-XX/XX/XXXX. I shouldn't have to resend them my SS #, drivers license, etc. They have all that from last year. I can't dispute anything until I answer those question with wrong info and I don't want to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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, this creditor has violated my rights. Under 15 USC1681 section 602 states I have the right for privacy.15 USC 1681section 604 ( A ) section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under and open and consumer plan as late for any purpose. 

Creditor : Capital One Reported Late Payment payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX Creditor : XXXX XXXX Reported Late Payment late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX Creditor : XXXX XXXX XXXX Reported Late Payment late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Cash app offer all users free cash card, which is connected to big number of their services or you cant use them without a card. Whenever I apply for cash card ( many times for months ) at the final step I receive error message : " An unexpected error occured. Please try again later. '' which indicates technical issue, however when I report issue to cash app support I receive different answer : " Your request to activate/order your cash card wasn't APPROVED. and we CAN'T PROVIDE FURTHER DETAILS regarding this decision at this time. '' Than a list of possible reasons/violation of cash terms none of them apply to me. 
So it's not an error but formed decision and 'try again later ' is misleading and untruth. 
This is so discriminatory and without giving exact reason or what violation was I accused for. 
First, I deserve correct information after my application. 
Second, I deserve to know what did I do wrong ... or they just dont like me cause XXXX XXXX .... could be anything. 
But third and most important I deserve same treatment as other cash card users with all perks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: World Acceptance Corporation
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I receive phone calls every single day, sometimes multiple times a day from World Finance Corporation. They call from random numbers, different offices, everything. I add each number to my block list. I have been making payments as I can and the loan is not in default. They are still actively receiving the payments and yet still leave voicemails stating " Hey XXXX, it's XXXX with World Finance, I need to hear from you TODAY XXXX. " - called from XXXX. " This message is for XXXX, it is very urgent that you contact World Finance. '' " XXXX please return my call today. '' No introduction. Everyday is a bit redundant especially since I am making payments. If there's an issue with my payments then they should send my account to collections and let me deal with it. Not calling me every single day like I'm secretly withholding money that I certainly don't have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: NV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was interested in refinancing my current mortgage, I was working with Mutual of Omaha. I spoke with representative on XXXX and was told I qualified for refinancing. I spent a week gathering and faxing documents over to company. My credit score is XXXX and I am a single female. Ive been paying on the current mortgage for 17 years with no missed payments and no late payments. I made XXXX last year and everything was going along fine until today. Now all of a sudden they tell me I dont qualify. I feel as though they are treating me like i dont qualify because Im female.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-10-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Experian has furnished a copy of my report to anyone who is a subscriber, without verifying the debt. They issued 16 credit reports mine to XXXX XXXX, when XXXX did not have a debt to report. 

Experian claims to have investigated XXXX XXXX XXXX, listed in my dispute letter, when XXXX has not responded to date on my dispute of their debt, and written letter sent certified in accordance with FDCPA rules. They ( XXXX ) and Experian continue to report a debt that neither can validate to this consumer. 

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 2023-12-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Early Warning Services, LLC
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:
I have Police reports i have contacted these credit reporting agencies and told them what ive been through in 2015 i was in 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 i had no lawyer and received XXXX XXXX years in XXXX while he got XXXX see im tired of being used buy the system i filed a report on my identity theft and i want this all off my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am not aware of this account. This is fraudulent and this company has never responded with additional information. The company responded they have provided me with information yet I never received the information. 

XXXX XXXX XXXX I will pursue this matter civilly and I have reached out to an attorney. Please find the attached documentation to remove the fradulant accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: First Advantage LNS 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:
In accordance with the Fair Credit Reporting Act. This account has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 15 U.SC 1681 section 602 A. States I have the right to privacy. 15. U.S.C 16881 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692. 


XXXX Account XXXX XXXX {$520.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account # : XXXX {$680.00} NAT CRED AUD ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX {$1900.00} my remedy to this is for these accounts to be removed from all credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
See attatched XX/XX/XXXX STATEMENT. See transactions XX/XX/XXXX - XX/XX/XXXX {$810.00}. {$120.00}. & {$210.00} subtratcted. XX/XX/XXXX XX/XX/XXXX MERCHANTS CREDITS. The remaining balance AFTER MERCHANTS CREDITS was {$470.00}. KINDLY NOTE MERCHANTS CREDITS {$340.00} ARE THE ONLY CREDITS for period XXXX XXXX attatched XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX {$470.00} I REPORTED UNAUTHORIZED ( KINDLY NOTE THIS * DID NOT INCLUDE {$340.00} CREDITED BY MERCHANTS. ) See attatched FRAUD letter of XX/XX/XXXX XX/XX/XXXX {$120.00} XXXX XXXX WAS NOT REPORTED FRAUD XXXX XXXX see attatched XXXX STATEMENT KINDLY NOTE ( the credit deposited at beginning of the investigation have been reversed ) ** USAA REVERSES MERCHANTS CREDITS OF XX/XX/XXXX ON XX/XX/XXXX ( WITH NEW CHARGES ) forcing me to buy back two items that were picked up at store and returned at store and CLAIMING THEM TO BE USAA CREDITS. See attatched FRAUD letter of XX/XX/XXXX XX/XX/XXXX {$210.00} ( the credit we deposited at the beginning of the investigation HAVE BEEN REVERSED ) AGAIN KINDLY NOTE THERE ARE NO USAA CREDITS XXXX XXXX see attatched statement of XX/XX/XXXX ** USAA REVERSES MERCHANTS CREDITS {$210.00} OF XX/XX/XXXX XX/XX/XXXX STEALING XXXX MERCHANTS CREDITS CLAIMING THEM TO BE USAA CREDITS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Medical bill from about 6 years ago. 

Went to emergency room in XXXX XXXX XXXX XXXX, XXXX XXXX, Florida. Several days later, phoned the financial/billing office. Told them that at present I was out of a job and gave them pertinent information. Was later told that they had written off the amount as an indigent patient. 

Over past five years, I have been employed and have been trying to qualify for a home mortgage. Found out that there was this outstanding bill for {$860.00} for medical on my XXXX credit report. Phoned them to find out what it was. I was told that it was the " doctor 's fee '' for my visit to ER. I never received a bill for this. I have moved several times and there is likelihood that this bill never caught up to me. I assume this collection is probably on each of the credit bureau records. 
I told XXXX I would like to pay and clear this collection. I paid {$520.00}, Confirmation # XXXX on XX/XX/2021 and she told me it would come off my report within 5-7 days. This has not been done. XXXX XXXX is who I paid. I was told that this would increase my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: AR
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 writing to formally file a complaint regarding the ongoing challenges I have faced in attempting to remove fraudulent items from my credit report. Despite multiple efforts, the inaccurate information remains, adversely affecting my creditworthiness and financial standing.

I have made multiple attempts to address this matter by contacting your agency through various means, including written correspondence and phone calls. Despite these efforts, the fraudulent items persist on my credit report.

Enclosed with this letter, please find supporting documentation that substantiates my claim of fraud and clearly illustrates the inaccuracies present on my credit report. I have attached : List of Documents, such as identity theft report.

I request that you conduct a thorough and expedited investigation into the fraudulent items outlined above. The continued presence of this inaccurate information is causing significant harm to my financial well-being, and I urge you to take prompt corrective action.

Conduct a comprehensive investigation into the fraudulent items listed. 
Remove the inaccuracies promptly and update my credit report accordingly. 
Provide written confirmation of the resolution and the actions taken. 

If this matter is not addressed in a timely and satisfactory manner, I am prepared to escalate this complaint to relevant regulatory authorities, including the Consumer Financial Protection Bureau ( CFPB ). I am asking for your assistance to remove these fraudulent items in my credit file : 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 XXXX XXXX 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 2023-12-16
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 noticed these fraudulent accounts on my credit reports and I've disputed them several times with the companies and Transunion and XX/XX/XXXXand they are still stating these are mine without properly verifying with my signature. Please remove the following fraudulent accounts immediately, thank you. 

Account Opened Amount XXXX XXXX XX/XX/XXXX {$37000.00} XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00}

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 explanation