BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-26
Company: Block, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Cash app closed my card and denied my claim for refund I purchased from XXXX and XXXX curez was paid under cash app name not the company and then they said it was shipped and link in that email said Everly shipped it and Everly company sent me an email that they never received any orders from me. And this they sent me after it was already supposedly according to track 17 had delivered the package. It was rediculas and when trying to send cash app all the info I had they said no and said I was canceled so I have my work checks {$1300.00} every two weeks going to a cash app account with no bank card to pay my bills with or get cash out of and atm with ..because I was ripped off. So of course I wanted a refund there is a visa logo on my card it make purchases protected for me. But cash app will not even look at the evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Continental Services Group, Inc. d/b/a ConServe
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Around XXXX on XX/XX/2023 I called conserve debt collectors. I asked for proof of the debt and I was told, " we do not need to send that we are a contractors with the school not a debt buyer ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: ENCORE CAPITAL GROUP INC.
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This company Midland Credit Management continues to make new phone calls to harass and call at odd hours such as XXXX or after XXXX and they make new numbers every time you tell them to stop calling or block the number, they will call again with a new number. I don't even know what this is about because the only debt I have had in the past I am in a dispute about with the medical provider because I have paid them and have evidence of having paid them and they are trying to fight me on it. This should not be a part of debt collection at all if I am still talking to the medical provider themselves. This company continues to harass at odd hours of the day, calling when I am working or sleeping. The calls are robot call you can't even tell someone to stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 have been trying to get this derogatory off my credit report for months. I have sent in several disputes, and nothing has been done. I have sent in proof that I myself am submitting the request to have this removed. I have filled for a full file disclosure and never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After receiving an alert from XXXX regarding a collection on my credit report from DRS in early XXXX, I haven't received any notice directly from DRS stating why I owe the debt nor providing me the adequate channel to respond to verify the debt. After overlooking the information on my credit report. I sent a debt validation/ verification in XXXX via certified mail which was effectively delivered to a representative at the address at XXXXXXXX XXXX on XX/XX/2023 in XXXX XXXX NY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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:
My credit report is showing late payments on XXXX XXXX & XXXXXXXX XXXX XXXXXXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.

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 2023-11-08
Company: OPORTUN FINANCIAL CORPORATION
State: TX
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:
The Oportun Pathward company approved a loan for {$5100.00} that I did not request illegally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I'm not familiar with is account. Did not receive any mail about this account or provide the opportunity to dispute the information. 

Please provide VALIDATION OF DEBT AND METHOD USE TO VALIDATE. 

CBE # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: NC
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: TX
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:
This is a general complaint against Experian and their so called investigations. I have sent in numerous dispute letters pertaining my personal information being reported incorrectly. I have even filed a formal complaint with the Federal Trade Commission about these old addresses that put me at risk for identity theft because I have no access to these addresses. At this point, Im seriously thinking about consulting with a consumer lawyer because Experian does not hereby to anything. I simply called XXXX and XXXX, updated my personal identification information, and the changes was updated within 48 hours. The world knows the e-Oscar system is who reads our dispute letters, and we all know its not 100 % accurate so what will it take?! FCRA. states all credit reporting agencies should be reporting accurate and verifiable information but it appears as if Experian is exempt.

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 2022-12-20
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I purchased a car XX/XX/XXXX and noticed my signature has been forged and identity theft was committed said date the contract was established with XXXX XXXX the initial contract has been assigned to a 3rd party dealer without my consent or knowledge meaning the initial retail installment contract I signed with my true signature and the contract that has my forged signature is not the same nor did i willfully give any consent for anyone to sign said contract on my behalf i was tricked forced and coerced into this contract with Credit Acceptance for {$41000.00}. XXXX XXXX withheld pertinent information from me for example my right to rescind, falsely stating optional features are required. I've sent 3 letters to credit acceptance on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX all via certified mail to exercise my right to rescission and taking steps of filing for identity theft XXXX and called their corporation on this day XX/XX/XXXX to let them know of this fraudulent account and awaiting a response. This has caused me tremendous XXXX  XXXX discomfort and damage..

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 2023-08-18
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:
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 a fraudulent, incorrect, and unverifiable account that is kept to be established as correct. Be sure to generate with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

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 2023-02-13
Company: McCarthy, Burgess & Wolff, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I called XXXX and spoke with a male representative. I had already closed my account and so I asked the representative how much I owed XXXX, and I was quoted XXXX dollars. I paid this amount in full and I have a proof to prove this claim which I will include in this report. I asked the representative if I would owe anything else after this charge as I did not want XXXX to report negatively on my credit report. He answered no and reassured me that that was the last and final charge. 

However, this was not the truth as on XXXX of XXXX, XXXX sent a debt of XXXX dollars to a collections agency. I want to once again repeat that I was given no notice that this debt was owed on XX/XX/XXXX when I explicitly asked, the debt amount was falsely reported to me by their representative. Not only this but XXXX made absolutely no attempts to notify me of this debt- not by phone call, not by email, not by letter. I did not find out about this debt until months later when I received a collections notice by a third party company they sent the debt over to known as McCarthy Burgess & Wolff. On XX/XX/XXXX I paid a total of XXXX dollars to McCarthy Burgess & Wolff. 

On XX/XX/XXXX I spoke to a McCarthy Burgees & Wolff representative who informed me in order to remove the collections from my credit report I would need to speak to XXXX. After many transfers I finally reached a manager at XXXX. I explained how the XXXX representative had misrepresented my debt and the manager indifferently informed me that XXXX and McCarthy Burgess & Wolff could do nothing for me to correct this error on their behalf ( that will now impact my credit score for years to come if not corrected ). I have had my rights violated : specially the fair debt collection act clause 807 that states that debt amounts can not be misrepresented to consumers. This needs to be resolved or I will take legal actions against both XXXX and McCarthy Burgess & Wolff.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: EQUIFAX, INC.
State: CA
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 XX/XX/2021 I wrote to Equifax to complain that they are reporting inaccurate and incomplete credit information and requested verification of the accounts on my consumer report. It is now XX/XX/2021 and I have yet to be notified of the investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$310.00}

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 2023-04-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a {$30000.00} JPMorganChase-issued check from XXXX XXXX into my JPMorganChase checking account on Monday, XX/XX/XXXX. The funds were withdrawn from the payors Chase account on Tuesday XX/XX/XXXX. Notwithstanding that, Chase refuses to release the hold and insists on holding the {$30000.00} in its entirety until XX/XX/XXXX. This is extremely abusive of both XXXX XXXX and me as Chase Customers. Neither XXXX XXXX nor I have use of those funds from the time period of XX/XX/XXXX until XX/XX/XXXX. When Chase does this to millions of customers for billions of dollars over the course of a year, it allows Chase to wrongfully and unjustly enrich itself to the tune of millions of dollars at the expense of its customers. 

Notwithstanding that Chase 's hold might be in technical compliance with Regulation CC, it is unethical and wrongful because Regulation CC was established to protect banks from loss. As in effect today, the hold periods of Reg CC are abused and solely benefit the banks at the expense of customers. Because of electronic check processing which did not exist when the hold periods were established, the lengthy hold periods no longer serve to protect banks from loss as originally intended. The banks abuse the holds to give themselves false cover and enable the banks to unjustly enrich themselves at the expense of customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I obtained a Mortgage with Wells Fargo and during the financial crisis of XXXX fell behind on my payments. The property was sold at a foreclosure auction after failing to obtain a modification despite turning in thousands of pages of documents. The property was returned to me 5 days later. After nearly two years and finally obtaining a modification, all past due was added to the principal, and XXXX insurance was forced placed despite having homeowners insurance. Payments were made and on XX/XX/XXXX just 2 months after the modification the property was destroyed in a XXXX fire. I presented a claim, a proof of loss to my insurance company and assumed Wells Fargo would present a claim to it's insurer. ( forced placed ). My policy paid out but was XXXX XXXX dollars shy to rebuild. I held on to the proceeds waiting for the Wells Fargo policy to pay the Mortgage balance. Wells Fargo never presented proof of loss and decided to file a lawsuit against me to collect the monies I had received from my individual policy. I held those monies and used them to pay my mortgage. Wells Fargo breached the mortgage clause, racked up XXXX in insurance charges, the sued for the mortgage balance. Ultimately costing me nearly XXXX XXXX dollars. All of this is a result of those bungled modifications, forced insurance premiums, and failure to meet its obligations under the mortgage clause. Wells has misbehaved and harmed me and actually collected monies from its victims. The hazard insurance raised my payments, and the ultimate slap was losing the home to a covered event and Wells Fargo not FILING A PROOF OF LOSS.

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 2022-07-26
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX Credit Original creditor : XXXX XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX  Creditor : XXXX XXXX Acct # XXXX {$170.00} Credit Collection Original Creditor : XXXX XXXX XXXX XXXXXXXX {$210.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$1200.00}, 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 instruction

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 2022-12-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
i sent a letter on XX/XX/2022 to experian/XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. 
according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller

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 2023-08-18
Company: Experian Information Solutions Inc.
State: TX
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:
Previously, I made an investigation about this account with incorrect information and after checking your responses, I recognized that the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX XXXX XXXXXXXX Balance : {$2600.00}

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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account nameXXXX, XXXX Account name  : XXXX XXXX XXXX XXXX, XXXX Account name : XXXX XXXX XXXX XXXX, XXXX Account name : XXXX XXXX XXXX, XXXX Account name : XXXX XXXX, XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name 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 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