BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-20
Company: CORELOGIC INC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I like to order a full Core Logic report, I believe there is some misinformation on my credit report and I want to see everything that is on my report please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: World Acceptance Corporation
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
World Finance is reporting this account negatively on my XXXX and XXXX Credit consumer file. I reported this account to the Federal Trade Commission on XX/XX/2021 and this account is currently reporting still on my file. This account was listed 3 different times and they have only removed on of them so far. Two accounts remain.

Under 15 U.S. Code 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 1 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this account on my credit report? No I NEVER GAVE CONSENT Furthermore, the FAIR CREDIT REPORTING ACT 15 USC1681b ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include -- - ( A ) Subject to section 1681s-3 of this title, any -- -- -- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; Delete the above account from my consumer report, this agency is in violation ... ... ... ... of 15 USC 1681b. 

I will be seeking damages against XXXX in the amount of {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 USC 1681b violations for willful noncompliance-616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Block, Inc.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX at XXXX in the morning my cash app account was compromised and someone made over 50 purchases in the matter of minutes stealing close to {$700.00} dollars and sending my account into a negitive status. I reached out to cash app the next day to cancel my card and dispute the charges made against account to only get the run around for the next few days. Everytime I call cash app customer service there is no one that can help me and they basically tell me to do the same things over and over. They keep telling me that I need to verify my account which I do but then when I go to dispute the charges they tell me I have to do It all over again. I even had to get my parent 's involved because when I first started my account I was a minor so my dad had to be on the account as well. They said they could do anything about the fraud because my dads name was still attached and he would have to take his name off before I dispute the charges. My dad call and ended his sponsership but cash app is refusing to takes his name off the account leaving me no way to get my money back that was taken. I found it so disheartening that I can be the VICTIM of fraud and my whole savings wiped out and the customer service team for this company to treat me as if I dont matter!!! I have files other complaint with the XXXX, as well as the FDIC because I refuse to allow this person who stole from me to keep my money and I never be refunded. I'm prepared to take this however far I need to. I am a XXXX XXXX and that money that was in my account was for my books. I really hope that I can resolve this matter but I really feel like I am getting no where. and even though my account is closed and card is canceled they are still allowing unautherized purchases to go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
From XX/XX/2022 to XX/XX/2022, my Capital One Venture card was fraudulently used without my knowledge or permission for several XXXX purchases totaling {$400.00}. On XX/XX/XXXX I contacted XXXX, who confirmed that my Capital One card was NEVER used in my account or any of my family members. They told me I should file a dispute with my credit card company since this is obviously fraud. On XX/XX/XXXX I filed a dispute claiming fraud with Capital One. They immediately refunded me for these purchases with the stipulation that it would get reversed if they found evidence I benefitted from the transactions. On XX/XX/XXXX, the transactions were all reversed and I got re-charged by Capital One for the fraud purchases. I contacted Capital One, who told me that the case was closed without being able to reopen or appeal the case. I asked if they could provide any reason or evidence that I benefitted from the transactions, which they could not provide. Even though the original fine print said that they would reverse the transactions if they FIND EVIDENCE. I have since submitted additional evidence showing correspondence between myself and XXXX customer service showing that the purchases are fraud confirmed by XXXX. But I still have not heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
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: Account information incorrect

Complaint:
My credit report is stating that I have four ( 4 ) past due payments of more than 30 days. I made an agreement at my own will with your hardship department to pay {$36.00} a month for 60 months ( 5 years ) to satisfy my obligations to your company. My payment was to be deducted automatically from my chase checking account monthly. Please see the attached statement showing the automatic drafts. I was informed my account would be closed and this was the amount due until the end of the agreed upon term. 
Attached you will find sparatic payments of {$36.00} deducted from my checking account. These payments of {$36.00} from XX/XX/XXXX to XX/XX/XXXX which seemed to fall in line with our agreement until I checked my credit report and contacted your company. You will find that the automatic payments are not deducted on a schedule for the same day each month as agreed. Not only are they inconsistent I am being charged interest on the closed account which will accrue, and simple math will not allow {$36.00} to pay the account with increasing interest and late fees. I had contacted your company once prior regarding the statement I received and called to verify our arrangement and was told you are in good standing and the {$36.00} was all that was required. I have attached the documentation requested along with my email message through your website questioning the same issues. 
In reviewing the dates reported 30 days late XX/XX/XXXX was in good standing reporting a payment of {$72.00} which was never paid in a full payment of {$72.00}. I can only assume that there were 2 payments of {$36.00} taken in XX/XX/XXXX and XX/XX/XXXX which totaled {$72.00} which was then applied to the account to satisfy the payment. All other months are reporting late when accordring to my bank statement attached and your companys automatic drafts they were paid as agreed.

I am requesting a thorough review of my account and reconciliation of this agreement. I am also requesting you justify this with the three credit bureaus as an error on your behalf and the removal of false information as stated by the federal Fair Credit Reporting Agency.

After speaking with 5 people for over 1 and a half hours I was told that this arrangement was not properly explained and that my account was in fact not current. But now it is? what is the truth? Completely misleading and FALSE. The agreement was made and their accounting department never applied my automatic payments that they drafted from my account. After disputing the information they stated that they were reporting accurate information but in fact admitted nobody reviewed the account for accuracy as stated in the letter I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: JPMORGAN CHASE & CO.
State: FL
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: NCB Management Services Inc.
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Account was disputed because account is reporting inaccurate on credit report. Stating open by XXXX while closed by XXXX. Missing date last verified by XXXX and date closed by bite XXXX and XXXX reporting account not disputed. This is false because account has been disputed. I ask that for information on how account came up with this balance owed. Please break down numbers so that I can understand. Previously account disputed by original creditor as Payment after chargeoff by XXXX while XXXX reported unpaid balance XXXX reported as Paid charge off and suddenly it all changed to charge off as bad debt unpaid balance reported as a loss

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Dear Sir or Madam, My name is XXXX XXXX XXXX. On XX/XX/XXXX, I went to Home Depot to purchased hardwood floor with cash on hands. The lady at the checkout offered me a store credit card with interest-free for 24 months. After talking to my husband, I accepted the offer. I purchased the hardwood floor over {$4000.00}. I have been making payments every month and never been late on a payment. Based on my calculation, I owed them less than {$2000.00}. On XX/XX/XXXX, I called to make a payment, they told me the balance was over {$4800.00}. On XX/XX/XXXX, I called customer service to find out what is wrong, they told me that they have been charging me interest since the date of purchase. That is not what I agreed to when I made the purchase. On the same date, I called again and asked to speak to a manager, they made me wait for 30 minutes and they hung up the phone.

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 2022-12-28
Company: TRUSTMARK CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
1. I worked with an individual in XXXX XXXX to purchase a XXXX XXXX. We agreed on price and shipping. I investigated the seller and found no issues. I sought a bank wire transfer. I visited the local branch in XXXX, XXXX. As i was about to talk to an employee, another employee chirped aloud about a " scam '', without any information what so ever. I provided every detail. They ushered in a Security consultant '' whose knowledge about " scams '' is slim and none, a rank amateur, if there was one. This creep blocked the transaction and I missed the sale. 
2. XX/XX/2022. I sought a second secure purchase via XXXX and attempted a second wire transfer, That security creep, had " flagged '' my account! 
3. I was forced, at my expense, to do a " plan B '', send certified check overnight. 
RESULT : This creep caused me deep embarrassment and grossly insulted me, as a XXXX XXXX XXXX XXXX XXXX, it is elder abuse and discrimination. it is my business where I spend my money. With almost {$500000.00} in their bank, I suggest this fool become unemployed and a formal apology issued to me by the bank general manager..

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: McCarthy, Burgess & Wolff, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted customer service and spoke to an agent to cancel my service. This was due to poor reception in my area. I was advised to return all equipment which I did. The only reason I paid the collection was to have it removed from my credit reports as it should have never been reported in the first place. They are in violation of the FDCPA for erroneously adding a derogatory item on my credit report. This has caused my scores to be impacted negatively and I have been denied credit and had to pay higher interest rates. I am requesting that this is immediately removed from my credit reports. This has impacted my XXXX XXXX XXXX XXXX XXXX reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX and Equifax are reporting a chapter XXXX bankruptcy but XXXX is showing a XX/XX/XXXX discharge and Equifax is showing a XX/XX/XXXX filing. Neither is accurate. I dont have a discharge or a filed open bankruptcy. I went to the court and saw this information is not true. The clerk of the court said they do not give that info to the agencies either. Both companies said the saw on XXXX XXXX. I complained to XXXX XXXX, they changed it and recommended I freeze my file. I did last year. Both agencies have not removed. I even sent a copy of my XXXX file to them showing it is not on there. They are still quoting the XXXX XXXX file, I have demanded they forwarded me a copy of that report, they have not

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat d payment on a credit card account under an open end consumer credit plan as late for a purpose.

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 2023-02-11
Company: Experian Information Solutions Inc.
State: CA
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 the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$1200.00}

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
Consumer complaint received 2023-02-07
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Someone has filled out a USPS mail forwarding form and it seems the credit card companies and banks use this as an " official '' notification of change of address so I have been making calls and correcting my address multiple times. My email has also been changed with some credit card companies. I've changed user ID and passwords but the USPS info. trumps all of this. 

The fraudulent address is : XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA 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 2023-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
BANK OF AMERICA- I am submitting this in conjunction with the class-action lawsuit. I'm not looking to get any money I just want my rewards back! 

I booked a flight from XXXX NJ to Florida through my BoA ( business account ) rewards for XX/XX/2021. Due to COVID concerns I had to cancel my flight. I kept talking to the BoA travel center about cancelling my ticket but they kept dragging until the night prior and I ended up cancelling it myself. Then, I called BoA travel center once again to give me my XXXX points back. I was told they would do it, but they didn't move an inch. 

I was told that someone would call or e-mail in the next XXXX hours. Shortly after XXXX hours went by with no call, I posted a brief comment on the BoA XXXX page. A little while later, I got a call from a customer service person who said they were from BoA, but it turned out to be a fraud operation and they stole over {$4000.00} from my account via XXXX. Later, I realized that this operation saw my XXXX post, looked me up and found my # on my business website ( which I since removed ). I did not give them any private info, like my SS #, but they kept me on long enough over several calls, along with a fake XXXX call through to 'unblock a text authorization '. So, then I had to deal with the fraud, which to BoA 's credit they did resolve and refund my money within a few days. 

However, the points issue remained and I got so tired of all of it I let it go. But I want my XXXX points back! Even recently, I was chatting with the social media team on XXXX and they kept saying they would help but gave me a runaround. I can't take it and will likely switch my account to another bank but need to use the points I still have and WANT MY POINTS BACK! I earned those points and booked that flight and have suffered a lot of stress due to their shenanigans.

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