BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-15
Company: DISCOVER BANK
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: Was not notified of investigation status or results

Complaint:
Re Account : XXXX Discover Bank listing negative to the three major credit bureaus ( XXXX, XXXX XXXX, and XXXX ) regarding the above referenced account. The reports are inaccurate. I have contacted Discover via certified mailed, discover failed to produce any supporting doc. NO doc received from Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a cash app account under XXXX XXXXXXXX & XXXX XXXX tag is $ XXXX they closed the account after 10 min of me opening it, I have tried to gain entry into the account and can't. I have verified all questions but they keep saying can't verify info all I want is to cash out never to use cash app ever and what's so bad about it that it's only {$20.00} in it but they've had it for almost a year now all I want is a cash out

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I tried refinancing a mortgage with Wells Fargo In 2021. The property was moved into a trust, and wells assured me they could lend on a trust-owned property. After almost 10 months of invasive document requests, and several rounds of updates they finally told me they cant lend against trust owned properties. 

XXXX had initially tried to convince me not to refinance elsewhere because they told me they would likely not be able to get me a XXXX to forgive the mortgage tax on the original loan amount ( on which mortgage tax was already paid ). But since they wouldnt do the loan in the end, I ended up moving the loan to another bank and paying the mortgage tax again in full with the new loan because wells did NOT provide the XXXX. That cost me roughly {$16000.00} on the {$800000.00} original loan. I think what they did was wrong and dishonest and Id like to be reimbursed for a mortgage tax I shouldnt not have had to pay twice. 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 explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 customer 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 2021-11-10
Company: Experian Information Solutions Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Account Name in question on report : XXXX/XXXX This account is continuously reporting charge off XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. This account should only report a charge off for the month of XX/XX/2021. This is having a substantial effect of me date of last activity which will show me when this account falls off of my report. 
I have reported several times that this account is inaccurate and all they have done was send me a letter stating that the account was updated or that it was accurate which obviously it is not. I reported this account to Experian and it came back on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. After disputing this account 5 times this year and having nothing done to correct the issue, which you can see in the document that I have attached from Experian. 
At this point, I do not want to waste anymore of my time or money disputing this information because they have had 5 time to actually verify and fix this information which they have not done so at this point the only way to solve this issue is to just delete the account from my report and send me an updated copy of my credit report with this account deleted.

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 2023-09-29
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a mobile app for my Chase Credit card and access it nearly every day to check purchases. I tried to open the app this week and found out that I couldn't access any information on my account ( via the app or on my PC ) without signing updated disclosures and agreements. The Online and Mobile E-Sign document was 10 pages but the XXXX XXXX agreement was 125 PAGES LONG. I called the company to complain - I wasn't going to sign it without reading and 125 pages is overwhelming. It's unreasonable to expect anyone to read it. I was told that I would have to agree to both documents to access my account information and there was nothing that could be done. I replied that it seemed they could have a shorter agreement and received no response. I then requested that they cancel e-access to my account and start sending paper statements and notified them that I was discontinuing future use of this card. Since then, my husband and I applied for two other credit cards- one had disclosures of only four pages and the other had a disclosure that was 10 pages. I am a reasonably intelligent person with an advanced degree. I think this requirement is outrageous - how many people will just check the box without knowing what they are agreeing to?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have requested on XX/XX/2022 evidence to support why they maintain incorrect information in my report and you have not provided it to me for that reason and as the law says XXXX reporting agencies must correct or eliminate inaccurate information, incomplete or not verifiable. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. For this reason, I request that the accounts described above be deleted based on the FCRA

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 2020-03-31
Company: PRESTIGE FINANCIAL SERVICES INC
State: AZ
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:
In XX/XX/2018 I contacted Prestige Financial to surrender my vehicle due financial hardship after and accident. Prestige picked up the vehicle and after taking possession of the vehicle they did not send me any notice of intent to resale the vehicle nor did they send me and updated balance after the vehicle was sold the Reported the original balance as a charge off collection and has been adding interest to it. I have filed disputes and the company has not supplied and proof of the resale nor balance after the resale and continues to report the information incorrectly as well as garnishing my pay. 

I have asked all three major credit agencies to remove the inaccurate data from my report however they fail to do so. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Since filing complaints against experian they have now stop reporting credit card information from the XXXX XXXX they pushed. All other agencies have updated and experian won't this is RETALIATION

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 2023-08-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Continental Collection Agency, Ltd.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I pulled my credit in late XXXX of XXXX. I noticed there was a collection from Continental Collection Agency, so In XX/XX/ I sent a validation letter to this company and received no response, I followed up with another one in XXXX of XXXX, and have yet to receive any communication from them. I can not verify or validate this alleged debt and it is harming my ability to use my credit to purchase a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: LA
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 writing to express my concern over the infringement of my consumer rights caused by the dissemination of inaccurate information. Fair treatment is my fundamental right as a consumer, and I kindly request a thorough explanation of the deficiencies in meeting accuracy and compliance obligations. 
Moreover, it is crucial to emphasize that I can not tolerate negative information, regardless of its certification. 
What truly matters to me is the verifiable truth regarding your company and the data associated with my credit profile. The lack of accuracy in the credit report I received is surprising, as it is expected that you adhere to the FCRA and applicable Metro 2 data field formatting standards. I hereby challenge you to provide a comprehensive, verified, complete, and truthful document that supports each claim made. Failure to adhere to these standards, as outlined in the 2020 XXXX, poses a severe risk to data integrity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: EQUIFAX, 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. 

XXXX XXXX XXXX, Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX Account XXXX XXXX those account above 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: AmerAssist A/R Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Conduent Incorporated
State: MS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
On WednesdayXX/XX/XXXX I was finally able to get a representative on the phone about my Mississippi Stimulus EPPI card. This complaint is a continuation of the previous MS EPPI card situation I submitted previously. The card was eventually cancelled and they sent me a new EPPI card out after speaking with them on XXXX XXXX. I called today to report the second card was never received. The representative said she would cancel the second card, since I never received it. The initial previous problem has been corrected. My correct DOB have now been entered into the system. Once I receive the 3rd card, I should have a problem with activating and access my card.

I explained the horror I have experienced with the MS EPPI card, and she said that she would express the new card to me and I should receive it in two days. A fee of {$16.00} was charged to my EPPI card that I have never received. 
On Friday XX/XX/2020, I received the new Mississippi Stimulus EPPI card. I was now thankful I received the new card and I was able to activate it with no problems.

After activating the card, the recording stated that my new Mississippi Stimulus EPPI card was overdrawn - {$16.00}. I couldn't believe this, I was overdrawn {$16.00}. I called the system to try to contact someone to assist me, to no avail. I then listened to the recording and I still was - {$16.00} plus a XXXX cents. Apparently every inquiry I made with the card, it would charge me XXXX cents per call. I now have a total of {$3.00} in inquiry fees + the {$16.00} charge to expedite the card with NO funds attached. I called the number on the card to speak to someone in the call center on Saturday XX/XX/2020. The representative was in a call center in Texas. They were clueless as to why stimulus funds was on a government issued card. The representative asked his supervisor to help me since they were baffled by this incident. They were unable to assist me. They supervisor provided me another number, which was to a call center in Wisconsin, and the representative was very rude, uncaring and unhelpful. I hung up and I'm now back to CFPB to assist me in getting funds on this card. This has been the worst experience, and the number on the card really does not assist someone with a unique situation. The system is set up to assist users with frequently asked questions, any questions unrelated to the ones set up in the system, then you are out of luck. Please help me to see how funds can be placed on my card. I am not responsible for the continuous problems with the card and its so unfair that I have to pay for them. Please help me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
sent ftc violations previously on these accounts The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. ... Because certain practices that violate the FDCPA also violate the FTC Act, the FTC also uses the FTC Act to halt unfair or deceptive debt collection practices XXXX  XXXX  XXXX   Unauthorized charges successful iconSubmitted XXXX XXXX/XXXX Unauthorized charges

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: U.S. BANCORP
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have settled this account XX/XX/2020. I have contacted and told them that they are reporting to the credit bureau incorrectly.

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 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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