BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
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 XXXX Account # 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 explanation
Consumer complaint received 2022-05-18
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Wells Fargo is reporting inaccurate information on my credit profiles to the credit bureaus. If you view the attached image, you can see that the date opened, highest credit limit, date last reported, date of last payment, and date last active are showing something different on each bureau. This is a direct violation of the Fair Credit Reporting Act and according to the FCRA this account must be removed IMMEDIATELY.

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 2019-06-19
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This is regards to an old debt on a apartment lease from XXXX XXXX. This debt is noted to have stopped being paid on XX/XX/2014, which is past the statute of limitations. This debt was originally sent to Hunter Warfield, and they removed the debt from my credit report due to insufficient proof and they did not provide documentation upon requested that showed the original contract with my signature on it. I did not receive a letter regarding the time frame I have to dispute this account for the SECOND time. This account just keeps getting handed off to different collection agencies and aging the collection. You are not only hurting my credit with this, but putting my future home ownership process in jeopardy. You are attempting to collect a debt thats past the statute of limitations which in the state of Florida which is 5 years of breach of written contract and 4 years for oral contracts. 


* I AM ATTACHING THE PROPER DOCUMENT BELOW FOR SOME REASON A DIFF DOC WAS ATTACHED, DISREGARD LAST ONE*

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: IN
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 am submitting a complaint against the credit reporting agencies XXXX, Experian, and XXXX due to inaccuracies in my credit report, which violate the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, I filed a dispute with XXXX, XXXX, and Experian addressing incorrect information in my credit report, specifically regarding the following items : 1. Under 15 US CODE 1681s2 ( F ) Reporting Information During Covid19 Pandemic XXXX  XXXX Account Number : XXXX Update to paid as agreed. 
2. Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy XXXX  Account Number : XXXX Please Delete Immediately 3. Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy XXXX XXXX XXXX Account Number : XXXX Please Delete Immediately 4. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX Account XXXX : XXXX Please Delete Immediately 5. This is not my name. 
Incorrect Name - XXXX XXXX XXXX Please delete this inaccurate name from my credit report. 
XXXX. This is not my address Incorrect Address - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, KS, XXXX Remove this address from my credit report I supplied all required documentation and evidence to support my claim. Unfortunately, even after the investigation, the erroneous information remains on my credit report.Despite submitting a dispute with evidence, the credit reporting agencies failed to correct the errors. This violates their duty to provide accurate information and correct and update information. They also neglected to indicate the dispute by me and provide notification of consumer dispute in my subsequent reports. They also failed to follow reasonable procedures to ensure maximum possible accuracy of my report.

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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, 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 checked my personal credit report, which I acquired from your organization on XX/XX/2022 and I noticed an unauthorized credit inquiry had been made. I'm representing myself by myself and I do not involve any third party for this matter. 
I request that you investigate the XXXX XXXX  XXXX XXXX XXXX XX/XX/2022 inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. I have filed FTC Report for this matter and have included in this package. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter,

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 2022-05-18
Company: Experian Information Solutions Inc.
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 XXXX XXXX XXXX Account # 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 explanation
Consumer complaint received 2022-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Noticed unrecognized XXXX  transfer on Capital One 360 accounts, called Capital One to report on XXXX XX/XX/2022. Had no additional contact until receiving a suspicious email claiming to be from Capital One on XXXX XXXX. Tried to access accounts and found them locked. Called Capital One and was informed they did so because I " did not respond to their inquiries '' ( of which I had received one, ten minutes before the call ) and that they wanted additional info regarding suspect charge. After going through possible causes agent informed me that my checking and savings accounts would be closed immediately as I was " a risk to the bank '' ; however they refuse to transfer remaining funds out of account until their investigation into the suspicious charge is complete. 
Venting to a family member revealed that they had tried to place an order on my behalf that was never received. Supporting documents were given to me, I called Capital One back to give them additional information but my funds are still being held pending their investigation on money *I lost*. I do not have atm or branch access to satisfy their requirements for any kind of withdrawal. Only after the two phone calls did I receive any kind of written notification in the form of an email stating they *may* close the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: CCS Financial Services, Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
So to begin, I noticed I was having issues with my internet service. My signal kept disconnecting and my bill kept rising. It was becoming out of control. Still I had no idea what was to happen next. After the incident with my internet my devices in my home would go in and out, showing signs of high jacking, from freezing out of nowhere to completely moving slow, or no connection at all. Next, I felt like I was being watched and the only thing in my house that someone could gain access to like that is my security system which is placed in different areas of the house, soon after that I would try to apply for a new phone or a car and got denied. They let me know I had too many hard inquiries, my credit was shot, and I always had services but didnt pay. I denied against these allegations but I had no proof. The last straw to let me know something was wrong, was XXXX day I was just minding my business and I kept getting constant scam, telemarketing, and dropped calls. I immediately knew in that moment I was a victim of identity theft. I had money missing and stolen from inheritance to my taxes. Even my old jobs income wasnt matching with my pay stubs. Im devastated at this point. I cant get any loans to even try to build myself back up. No phone, and not even a car. Im just out of options.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
Contacted CapitalOne and advised I needed to dispute a charge from XXXX for Case Number : XXXX AMZN Mktp XXXX billed on XX/XX/2023 for {$120.00}. After several attempts back and forth with capital one they continue to tell me to work it out with the merchant which I am unable to do. XXXX has closed that account and is not willing to assist in refunding the charge for the returned merchandise, proof of return and receipt that XXXX has merchandise back has been sent to capital one. Capital one has advised me XXXX has sent documentation to support the claim which capital one has not provided me. I have provided a written statement as well as proof of return to capital one and they continue to not assist in the matter. Capital one supervisor advised me via phone the first agent submitted the case with the incorrect reason code in which I was asked to write the written statement. Still I have no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Follow up to Complaint Number XXXX. Remains unresolved. 
Cash App Reference Number : ref : XXXX : ref I am unable to access my Cash App account after purchasing a new phone and installing app. 

There is a serious disconnect between what the Social Media Team on XXXX is telling me and what the CFPB is telling me. One telling me to set up new account. The other to request password be reset. Which is it? I have submitted information to have password reset. I have also tried to set up new account. In each case I receive pop up on phone that states " unable to sign on on this device. '' No other financial institution. No bank. No Credit Union. No Investment House. No P2P payment system requires this or makes users go through this process. 

Response from Social Media Team on XXXX. XXXX  XX/XX/XXXX. 
Again, you need to create a new account using a new phone number or email address. The reason you are having trouble making a new account, is due to you likely attempting to use the phone number and/or email address linked to your other account. 

Response from CFPB Monday XX/XX/XXXX As set out above, after several unsuccessful attempts to log into your Cash App account with your PIN, the PIN is automatically locked. Cash App Support has offered to assist you with resetting your PIN. At the time of this writing, we are currently awaiting your responses to the email sent to you on XX/XX/2021 in order to verify your account information, and once verified, your PIN will be reset. Please review this email correspondence and respond at your earliest convenience. We hope this response satisfactorily addresses your complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX BALANCE : {$0.00} XXXX XXXX XXXX ( Original Creditor ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXXBALANCE : {$1200.00} XXXX XXXX  ( Original Creditor : XXXX  ) XXXX BALANCE : {$2200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/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 2023-06-28
Company: Ascension Point Recovery Services, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called AscensionPoint Recovery Services at XXXX XXXX. on XX/XX/XXXX. They took my information, and offered to settle for {$270.00}. Then, then they sent a notice to our estate 's attorney specifying the full amount of the debt, which I strongly suspect was a violation of the Fair Debt Collection Practices Act, and was certainly unethical. 

Their reference number on the notice was XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25
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:
Proven hippa violation!!! 

Both XXXX and Experian has favored XXXX XXXX XXXX every single time and now i have the proof because they sent to me what they used for validation and it is a direct XXXX violation.! Remove these accounts immediately or I will file suit against you in 48 hours in XXXX XXXX XXXX XXXX XXXX, NC. You failed me so many times i am not happy! 

Delete those XXXX XXXX XXXX accounts immediately!!

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 2022-05-18
Company: Experian Information Solutions Inc.
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX La XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-07-31
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: Information belongs to someone else

Complaint:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU 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 2023-06-28
Company: Block, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/1923 Cash app took a {$300.00} deposit sent to me stating that I made some XXXX transactions that were never received by XXXX, this caused me to receive several return fees from other transactions. 
I also contacted XXXX and they were not aware of any duplicate transactions. Cash App would not provide me proof or any additional details or let me speak to a representative and in researching this I found that they did this to thousands of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
I was approved for {$1900.00} with NetCredit it was originally to be funded on XX/XX/XXXX First they advised my that the needed ONLY 2 paystubs and then I needed to call to verify my identity which I did both. But they withdrew my application Then they said that I needed 2 bank statements which was submitted My employer does not offer direct deposit.. now the declined stating they cant verify my income. Im being discriminated against because my employer doesnt offer direct deposit But the bank statement does show 2 direct deposits of social security per month

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
both credit bueros and creditor are claiming that they have not reported or see any remarks on file indicating XXXX, Which is now on a adverse account negatively against me. I have had fraudulent charges reacurring monthly dated back since XX/XX/XXXX.remarked added XX/XX/XXXX - XX/XX/XXXX and removed XX/XX/XXXX transunion claims no such remark is showing on file but recent report from transunion sent out XX/XX/XXXX from them is not accurate.

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