BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-22
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: Account information incorrect

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes to verify incorrect information. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every month and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: JPMORGAN CHASE & CO.
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

Time has already passed but up until now, I havent heard any kind of response from the XXXX and XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the account which is erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXXXXX now.with no help.

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 2022-08-12
Company: EQUIFAX, INC.
State: GA
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 credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After paying an invoice of {$660.00} on XXXX XX/XX/XXXX for an escrow increase on my mortgage with Fifth Third bank, the monthly payment still slightly increased by {$43.00} from {$1900.00} to {$2000.00}. I incorrectly and admittedly sent in the prior payment amount of {$1900.00}, and Fifth Third accepted and deposited the payment on XXXX XX/XX/XXXX but did not apply the payment to my account despite receiving the payment on time. The entire principle and interest amount was correct. Only the escrow amount had to be corrected, and the escrow disbursement wasn't due for another four months in XX/XX/XXXX. On XXXX XX/XX/XXXX, I paid the {$43.00} via Fifth Third 's website the day after first getting a voice mail to return Fifth Third 's call on XXXX XX/XX/XXXX. To date, Fifth Third has refused to apply to my account the mortgage payment payment of {$1900.00} received by Fifth Third on XXXX XX/XX/XXXX or the additional payment made for the escrow shortfall of {$43.00} received by Fifth Third on XXXX XX/XX/XXXX. Rather, Fifth Third acknowledges both payments received constituting the entire new mortgage amount but continues to hold the payments without applying to my account and has advised they will be charging a late fee. 

Fifth Third is choosing not to apply the payment they received and deposited without applying the credit to my account. Fifth Third was very prompt in notifying me of the issue with two phone calls, one to me and one to my spouse on XXXX and XXXX XX/XX/XXXX, but has done nothing since receiving the additional payment to apply the payments made to my account on XXXX XX/XX/XXXX, despite three subsequent conversations on XXXX XX/XX/XXXX. This is an example of a big lending institution working to intimidate me as a consumer, find an excuse to charge additional fees, and ignoring my immediate efforts as a conscientious consumer to correct a minor {$43.00} error while Fifth Third held a {$1900.00} payment already made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have mailed and called XXXX and XXXX and also mailed Wakefield and Associates, ARS, and XXXX XXXX XXXX about their violations of me and my credit report. They have committed the following FDCPA Violations HIPPA Law Authorization : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Furthermore, they did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I also requested 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) The Agreement that grants you authority to collect on this alleged debt.

4 ) A copy of your state license, including license number that give you rights to collect in my state.

5 ) Please provide a copy of my signature with the provider of service to release my medical information to you.

6 ) Please provide a breakdown of fees including any and all collection costs and medical charges.

Their lack response, they have failed to provide such information within 30 business days. According to the FDCPA and HIPAA Collection Laws the requested information above is not a matter of your discretion to provide, you MUST comply with my request. In failing to do so you are in violation of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

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 2023-11-22
Company: Block, Inc.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
received a payment from a customer on XX/XX/XXXX. Square held my funds until XX/XX/XXXX then froze my funds and shut my account down the moment it was time to release my funds, for no reason. I am traveling with children and have payroll to complete and now i cant pay staff. They have stolen thousands of dollars from me and now they are saying it will be XX/XX/XXXX before im able to access my funds. 
I asked them to simply refund my customer so i can have them wire us the funds for the services they are currently receiving. 

They refuse to do so and have told me i will need to wait on an email from them and that they have no other options for me. How is it that they can basically steal business owners money? If they suspected fraud, why has my account been open and why did they accept the funds? Why have they allowed me to spend money? 
The moment they saw an opportunity to snatch money from me they took it. They even froze the funds i already had in the account and claiming Fraud as an excuse to steal business owners hard earned money. THEY ARE A COMPLETE SCAM AND THERE ARE MANY BUSINESS OWNERS EXPERIENCING THE SAME THING. ITS THE HOLIDAYS AND I HAVE A BUSINESS TO RUN. I WANT MY MONEY NOW! THEY HAVE ABSOLUTELY NO RIGHT TO KEEP MY FUNDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
So theres 2 problems here I did not know I can file a complaint this way, I had a total of XXXX charged to my account through cash app which was connected to my debit card unauthorized transactions that I did not make my self or allow anyone else to make. I had the physical card on me. XX/XX/XXXX was the first unauthorized transaction in the amount of XXXX dollars to XXXX  XXXX XXXX and between that date and XX/XX/XXXX there were a total of 11 transactions totaling XXXX that was sent to this person that I do not know and have no business with. I reported this to Wells Fargo before 60 days had past the last transaction that was made on XX/XX/XXXX of 2022 I made the report on the Transaction XX/XX/XXXX of XXXX  and my claim was denied for a reason unknown. To me. 

The second incident was a withdrawal in the amount of XXXX or XXXX Im not 100 percent sure on the number because I cant access my account anymore due to the closing my account after reporting these fraudulent transactions. I used my Wells Fargo card for a down payment on a car from XXXX so when the money was deducted from my account I didnt think twice about it about 30 days later I get a letter from XXXX XXXX saying if I dont resolve the balance of my down payment my car will be repoed. So I go back and look at the transaction and apparently someone was able to withdraw the money from my account and Wells Fargo denied my claim with nothing on their findings and on top of that closed my account after reporting it to them.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Been a member with Wells Fargo bank ( checking and saving accounts ) since XXXX- presently. I'm following up regarding the {$2.00} billion class action lawsuit. I have not received the {$100.00} repayment. Please let me know regarding this matter. 

Thank you, 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 2023-10-16
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Due to two separate companies repeatedly attempting to charge my Cashapp debit card, I had to report my card as lost/stolen. Cashapp said my old card would no longer be usable, assigned me a new card number with a new CVV and a new expiration date, and started processing. Before the new card was even showing as shipped, these same two companies had my new debit card information, yet no one can explain how. When attempting to dispute these charges, Cashapp simply says they cant do anything productive about the problem and say to contact the merchant, which does not good. Upon attempting to contact one of the merchants involved, they stated they only had my old card number on record, yet, my new card was steadily being charges repeatedly. It seems to be that even tho you report a card lost or stolen and youve had to report fraudulent charges multiple times, Cashapp doesnt block anyones access because obviously access to the old card still works. When I had finally had enough and requested to delete my Cashapp account completely, customer support only sent emails stating the my email had been unlinked from my account and a separate email stating that my phone number had been unlinked from my account along with my old debit card. Not once did I receive a confirmation email stating that my account had been closed and that my information would be safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have a perfect rating and payment history and this bank decreased my credit limit with no reason nor written explanation and left no recourse to fix it. I called in and was treated like a person who abuses credit and was not even given any explanation. The explanation was not posted online nor was I advised by the support person.

I deserved an explanation of why a decrease in credit limit was unwarranted. I have perfect on-time payments and the decrease caused my remaining balance to show as a 37percent which caused a hit across all the reporting agencies.

Every consumer deserves the support they ask for and fair treatment. This kind of wrongful untrue manipulation of data causes damage as it has done in my case, If others have the same type of complaint and there is a class action suit, please add me to it as this bank deserves to be taken to court for that type of abuse!! Please publish this complaint so that others may see what Capital One does to their unsuspecting loyal customers!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AS OF XX/XX/2023 I have noticed CAPITAL ONE CREDIT CARD AMOUNT OWED XXXX $ Acct # XXXX fraudulent accounts on my credit report and consumers report The names and address and on my 3 Bureaus are incorrect On these grounds is reason to remove fraudulent accounts permanently now BELOW IS A LIST OF FRAUDULENT INQUIRIES REPORTING ON MY CREDIT PROFILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: Paypal Holdings, Inc
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/2023 Venmo froze my account and requested that I send in my identification. I uploaded my State identification and Social Security card as requested. On XX/XX/2023 I received an email that my account has permanently been suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Block, Inc.
State: TX
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 wanted to create a new account with this company and they banned when my account had been taken from me without my knowledge and they are refusing to give me a reason why and they keep giving me the run around and its XXXX me off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions 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:
XXXX Bank has failed to give me the option to give me the disclosure to opt out of them using my nonpublic personal information and giving it to any third party. This tradeline has been placed on my consumer reports. They have violated 15 USC 6802 ( b ) ( 1 ).

The CRA 's have violated 15 USC 1681b, I the consumer never gave any of them permission or consent to use/share/or report any of my nonpublic personal information.

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 2023-11-22
Company: TransferWise Ltd
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
After the unexpected closure of my Wise account, I received a notification from Wise requesting my bank details to process the refund of the remaining balance. However, upon receipt of the refund on XX/XX/2023, the amount of {$1200.00} significantly differs from the balance I recall having in my account, which exceeded {$1400.00} at the time of deactivation. 

Multiple attempts to resolve this issue directly with Wise by requesting a bank statement to verify the actual remaining balance on the date of deactivation have been unsuccessful. Despite my repeated efforts over a period of more than 1.5 months, Wise has failed to provide the necessary documentation or transparently address the discrepancy in the refunded amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had a car accident XX/XX/2023 I was referred to a XXXX XXXX XXXX and XXXX I did not finish therapy until XX/XX/2023. I received 2 bills. The last one being sent late XXXX. My attorney also received a copy of the bills just 2. My case was paid based on bills recieved. My auto insurance paid in XXXX of 2023. Around late XXXX I was already sent to collections Gla collections stating I owed additional {$240.00} I asked for a detailed bill explaining the past due since I thought it was paid in full based on bills received. They stated I could not call original creditor to get straightened out. I did any way and the claimed they sent me 3 bills I only received 2 my attorney only received 2 also. I finally got a detailed treatment bill 2 weeks ago. The original company has yet to even try to bill my secondary insurance. I gave them the information again when I contacted them. I am in the process of getting the remaining balance sent in and paid yet the collections agency is still sending me notices

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation