BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-16
Company: Affirm Holdings, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account is now paid off. I received numerous answers from different representatives as to how much I did owe in the past when I did have a balance as well as how past due it was. Affirm was also inconsistent with how often they reported to the credit bureau. Its upsetting to me that all of the representatives at the company are not on the same page. Now that I owe {$0.00}, I would like the account removed from my credit report due to the mixed answers/explanations Ive received from your representatives. I did not know who to believe when calling in the past, which confused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
At XXXX XXXX I received a text message from Cash App stating that a Cash App user as filed a dispute with their bank for {$140.00} payment which I received on XX/XX/19. This payment will be refunded from my account. 

I contacted the Cash App user in connection with the transaction in question and they stated that they did not file any such dispute. 

I proceeded to then contact Cash App via phone no luck, so I proceeded to send then and email. They responded to my email stating that they have conducted a review of my account. As a result, they are sorry to inform me that they have elected to deactivate my account doe to chargebacks on payments that I have from other Cash App users. 

I replied to their email stating that if an actual review was done of my account they would have seen that the amount for the transaction in question was sent back to the Cash App user on XX/XX/19, so there was no reason from them to now have gone ahead and debit my personal bank account for {$140.00} which they state will be returned to the Cash App user on Tuesday XX/XX/19. They also went ahead and close my Cash App account with my {$100.00} still in it, and have also closed the Cash App user account that they are stating have filed a dispute for the {$140.00}, and there was also money in his account that he now has no access to. 

I contacted my bank and they confirmed that there is a pending debit in the amount of {$140.00} and I explained to them the situation. Agent provided me a XXXX XXXX number that was attached to the transaction and stated that I could call them and explain what is going and see I could get the authorization dropped. That was unsuccessful! 

I have unlinked my debit card and bank account from the application. 

I am righting for some assistance in recovering my stolen money. 

Thank you in advance for your assistance. 

XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: BMW Financial Services NA, LLC
State: SC
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 was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Experian Information Solutions 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 information incorrect

Complaint:
Good Afternoon. 
I have taken advice from all three paid credit burough service platforms created to help and protect the public. Each paid service also advises on how to increase your Fico score. They also claim to help the consumer tobremove information that is derogatory due to inaccurate reporting..examples : Credit, loans, address misinformation from external sources. 
I have followed the steps to repair, retore, increase Fico and Credit scores from the following : Experian protection and score updates. XXXX two separate and consumer pay for alert and advice..And another service from XXXX. 

I pay each Credit Agency monthly an or yearly. 
I have a complaint and also I feel that I need to advise you that these services have both helped and hurt my Fico and My overall Credit scores. The services heavily push applying for Credit cards and in my case push to apply for personal and home buying loans. 
Hence my score is down. 
Experian will not lock my report. I have upgraded to the highest level of credit protection service and still no help acquiring my Fico.. no help making a dispute ... I have 5 or more incorrect claims in my reports. 
Yet a Store Card sent a letter notifying me that they are lowering my credit XXXX dollars due to information obtained by Experian, XXXX and from XXXX. The card had a small limit of XXXX. I used the card twice. I paid off the card after the first use and I currently have a small balance of which I will pay off and close the account. 
I have other concerns. 
Please help. 
Thank you.

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 2022-12-08
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2019-10-12
Company: Remitly, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2019, I made an international money transfer through my REMITLY mobile app to XXXX.I transferred the sum of {$1000.00} to my recipients XXXX XXXX XXXX account in XXXX using my debit card. And my this transaction showed successfully delivered to recipient right away. When my recipient went to retrieve the money, the banker official said the money isnt there.i then called Remitly and they said I must provide a bank statement to prove this which I did 2 days later. I have continued to call and exchange emails with Remitly and have even sent another bank statement after 2 weeks of not receiving the funds.during some of my calls and emails with them, they mentioned that they do not service dollar to dollar transactions.unfortunatelly I wasnt aware of this at the time of making my transfer which means my money is hanging somewhere other than my recipients account if they do not accept dollar to dollar. But until now, Remitly is still giving me a run around and have refused to Re-embuse me or find the money.its almost a month finding my hard earned money .please help me. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Google Compare Credit Cards Inc.
State: GA
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:
I do not understand why google is refunding 10 transactions in the amount of {$890.00} USD, and the representment from google to XXXX credit card bank for the Dispute Reversal Request from Pages 6 through 15 shows 84 Unauthenticated purchases and therefore Unauthorized be

cause google on their own allowed those transactions without the password challenge that was supposed to be entered for every transaction. According to the google representment, 29 of the 84 unauthenticated transactions showed disputed ( 25 transactions of {$99.00}, and 4 transactions of {$49.00} ). My credit card dispute following my observation of unauthorize transactions were 24 transactions in the total amount of {$2100.00}. So, I do not understand why I am getting a partial refund of {$890.00}, instead of the full amount of {$2100.00}. I did not see the representment from google before my dispute, it would have even been more than the {$2100.00} that I originally disputed. Please review your records and kindly refund me the balance. 

Please see below the tabulated dispute submitted to XXXX credit card bank. 


DATE AMOUNT QTY. TOTAL AMT. 
XX/XX/XXXX {$49.00} 1 {$49.00} XX/XX/XXXX {$99.00} 7 {$690.00} XX/XX/XXXX {$99.00} 1 {$99.00} XX/XX/XXXX {$99.00} 3 {$290.00} XX/XX/XXXX {$99.00} 1 {$99.00} XX/XX/XXXX {$99.00} 6 {$590.00} XX/XX/XXXX {$49.00} 3 {$140.00} XX/XX/XXXX {$99.00} 1 {$99.00} XX/XX/XXXX {$49.00} 1 {$49.00} TOTAL TRANSACTION 24 {$2100.00}. 


Also refer to my email dated Friday, XX/XX/XXXX, XXXX XXXX  EST, Monday, XX/XX/XXXX, XXXX XXXX  EST, and Monday, XX/XX/XXXX, XXXX XXXX  EST to google team.

Please I do not agree with the partial refund of 10 transactions in the amount of {$890.00} USD.

Google still owes me a refund balance of 14 transaction in the amount of {$1200.00} Thank you. 


Yours Truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: National Credit Systems,Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company continues to call me requesting payment on an account that has been closed and settled with the original creditor. National credit systems continues to ask me for the receipt and a copy of my bank ledger which I have provided to them multiple times and they still will not close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Paramount GR Holdings, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/2020 I called the LoanPal customer service requesting a payoff for XX/XX/XXXX. This would allow 8 business days for LoanPal to generate the payoff amount. I was told on the phone I would likely get the payoff on the XXXX or XXXX. On XX/XX/XXXX, after not receiving anything, I called asking about the payoff and was told generally they just get to them as fast as they can. On XX/XX/XXXX I called again ( now past the payoff date requested ) and they said " corporate '' was running behind on getting payoffs out and said at this point my old payoff would be invalid but said they would submit another one. I didn't care to wait another couple weeks of interest accruing for a payoff that may never come so I planned to just make a sizable principal payment hoping the next generated bill would take care of any interest accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: NY
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: VA
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
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 information incorrect

Complaint:
A collection item with XXXX XXXX XXXX is appearing on my credit report for which Im not responsible the debt was previously deleted in XX/XX/3018 at which time it was being  reported by a XXXX XXXX XXXX XXXX and has now reappeared with a different collection number I have never had and contract or contact from the new collection company and the address they report has never been my address I have never lived at XXXX XXXX XXXX ln The debt was previously disputed and removed from file and should be removed again as the company had not provided an itemized bill or proof of service or contract 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 non-monetary relief
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Information was sold on black market because freeze was not put on credit report and my information was compromise.

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 2023-07-21
Company: Burke Moore Law Group, LLP
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Complaint Against XXXX XXXX XXXX XXXX for Violation of Fair Debt Collection Practices Act ( FDCPA ) I am writing to file a formal complaint against XXXX XXXX XXXX XXXX regarding a violation of the Fair Debt Collection Practices Act ( FDCPA ) during their debt collection activities. On XX/XX/2023, I received a letter from XXXX XXXX XXXX XXXX, and I believe they failed to provide me with a dispute address or option, thereby infringing on my rights as a consumer. 

Details of the Complaint : - Collection Agency Name : XXXX XXXX XXXX XXXX ; Firm Contact # XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA, XXXX. On letter, collector is seeking to Collect a lump-sum amount {$2200.00} out of alleged balance of {$3200.00} electronically to XXXX XXXX XXXX 
XXXX : The letter was dated XX/XX/2023 - XXXX  : The letter sent by XXXX XXXX XXXX XXXX XXXX not include any information regarding a dispute address or the option to challenge the validity of the debt, which is a clear violation of the FDCPA. 
- Request : I request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against XXXX XXXX XXXX XXXX to ensure their compliance with the FDCPA. Additionally, I urge the collection agency to rectify their actions promptly and provide the necessary dispute address, as required by law. 

I am deeply concerned about the collection agency 's failure to provide me with essential dispute information, denying me the opportunity to verify the debt 's validity. This conduct is in direct violation of the FDCPA, which is designed to protect consumers like myself from unfair and deceptive debt collection practices. 

I appreciate the Consumer Financial Protection Bureau 's attention to this matter and look forward to a thorough investigation and resolution. If any additional information is required from my end to assist in the investigation, please do not hesitate to contact me. 

Thank you for your prompt attention to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: WELLS FARGO & COMPANY
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Monday, XX/XX/2023, at XXXX XXXX XXXX, I received a call from Wells Fargo reporting that my account had had been flagged due to an attempt to change my password. The phone call lasted XXXX minutes. The person on the other line was viewing my account for their end and was asking if I had lost my card, been attempting to purchase anything in XXXX XXXX XXXX, Arizona, '' or had any of XXXX payment apps ( XXXXXXXX XXXX XXXX XXXX XXXX  breached. I advised that we had not traveled outside of Idaho nor would any transactions in Arizona be authorized. The was very polite, professional, and assured me they were going to stop the attempt at an authorized charge. They gave me a temporary password for my online banking, and send verification codes to continue updating and " clearing my info from the payment apps. '' I had just gotten back from vacation and was driving my son to his football practice and was very distracted as well as upset at the nature of the phone call. I was reading the verification codes off my XXXX XXXX as they were being sent, while I was talking to them on the phone. At that time, they advised that there looked like a pending charge from " XXXX  '' was showing, but it would be removed as a fraudulent charge. They verified that my account was then secure, and stated that another Wells Fargo representative would call me in 24 hours to follow up on the issue. 
By Wednesday XXXX, XX/XX/XXXX, I had realized that Wells Fargo had not called me back yet so I logged into my online banking to see that there were three, {$1000.00} charges from my checking account to " XXXX, New York. '' I immediately called Wells Fargo, whom advised they had never called me two days previous. At was at this time I realized I had been completely scammed. I reported the three charges as fraud immediately. I later received a written letter from Wells Fargo, dated XX/XX/2023, that stated the transaction was authorized and my claim was closed. 
I then called Wells Fargo, upon receipt of the letter, on XX/XX/2023, to further inquire why the claim was closed without reversing the charges. The Wells Fargo employee did not divulge a reason, at which time, I advised I would be reporting the issue to all authorities possible as well as filing a police report if recommended. 

Further investigation from Wells Fargo should reveal that the password change on XX/XX/XXXX was most likely from an IP address NOT in Idaho ( therefore not me ). They should be able to see that my account was breached prior to be even getting the phishing phone call XXXX minutes after my password was changed. 

I did not authorize these transactions, nor do I have any familiarity or business with the company " 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 monetary relief
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: NY
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 investigated my credit report, I realized that the same accounts were erroneous. The 3 credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX XXXX Balance : {$4400.00}, XXXX  XXXX XXXX Balance : {$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 non-monetary relief