BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I had opened a XXXX  XXXX XXXX credit card in XX/XX/XXXX and I had missed two payments in XXXX and XX/XX/XXXX. The merchant chose to close my account and I paid the {$900.00} balance in full in XX/XX/XXXX. The information reporting on my XXXX and Transunion credit reports do not match and are not accurate at all. How can this be? This account has been closed for almost 8 years at this point and should not appear on any of my credit reports. 

-The account was paid in full in XX/XX/XXXX, not XX/XX/XXXX as stated on my XXXX and Transunion credit reports. 

-My line of credit was not {$600.00}, it was {$800.00}.

-My highest balance was not {$410.00}.

-Status updated can not both be XX/XX/XXXX ( TransUnion XXXX and XX/XX/XXXX ( XXXX XXXX. 

I need this account removed from all credit bureaus as it is negatively affecting my ability to obtain new credit. I have addressed this with XXXX  XXXX XXXX and all 3 credit bureaus and no one has resolved this issue for me.

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 2022-03-28
Company: EQUIFAX, 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:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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 XXXXbranded credit card was moved from XXXX XXXX to CapitalOne last XXXX. I was signed up for auto payments. My XXXX statement clearly said that my XXXX bill would be paid in full by auto payment. However, no autopayment was withdrawn and my account was reported as " late payment '' to the credit bureaus. 

CapitalOne agreed to waive all late fees. Later, they realized the XXXX statement was not sent as it should and they further waived late charges and agreed to fix the credit report for issues relating to the XXXX statement. 

However, they never did correct my late payment ding on my credit report. When I wrote to them to ask that they fix it as they said they would, they simply said they were unable to approve a courtesy correction to my credit report. 

I do not believe that the late payment was any fault of my own. Rather, this was due to a CapitalOne error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28
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:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-04-24
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023 I see that a check was cashed for {$1500.00} dollars. I see that the intended recipient which was a previous landlord did not sign the back of the check, it was a different name. I called my landlord immediately who confirmed they did not cash the check. I reached out to chase who told me to submit a form in order for them to start the process. It required information about the check and it required my previous landlord to fill out the form confirming they did not deposit the check. After providing all this information to chase they continue to deny the claim for different reasons that don't really make any sense. I also had a roommate at the time who has chase as well we both submitted the same exact forms even compared them and his went through fine and got his money reimbursed as soon as chase sent the form to XXXX of XXXX stating there was a fraudulent check cashed. Chase refuses to send my forms despite constant calls. They also don't let me speak directly with anyone at the claims department it's only a call center that relays information and refuses to put me on with someone actually managing the case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: AL
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: Problem with personal statement of dispute

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-09-19
Company: Block, Inc.
State: FL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
cashapp has been having problems with they app & yesterday they logged me out of my account. i can no longer access my account or my money that i had stored on there. after contacting the man repeatedly i was told there was no account found but i was able to pull {$20.00} off the same card connected to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Affirm Holdings, Inc
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 I noticed an account that was furnished by AFFIRM INC. without my knowledge or consent containing adverse information in my consumer file at XXXX, XXXX and XXXX. I did not authorize AFFIRM INC. to report this information and I wasn't notified that this negative information was being shared. XXXX XXXX failed to follow proper procedures in an attempt to collect an alleged debt from me the consumer. AFFIRM INCXXXX has indulged in unlawful misconduct with intent to abuse, deceive and invade my privacy. I have suffered irreparable damages by this corporations misconduct. Included with this complaint is a letter sent to AFFIRM INC. notifying them that the alleged debt is in dispute and requesting the proper documentation for proper VERIFICATION by I, the consumer. AFFIRM INC. HAS FAILED TO PROVIDE THE REQUESTED INFORMATION AND IS CLEAR VIOLATION OF THE CONSUMER CREDIT PROTECTION ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 Balance : {$28000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$3000.00} Date Opened : 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 2018-09-13
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently noticed on my credit that there is a listing of a company name XXXX XXXX which they claim " i owe {$860.00} '' this information is incorrect and its hurting me financially. 
I contacted the company by register mail two times back in XXXX and XXXX of 2018 asking the removal of this incorrect listing. I stated that this account was not mine. 
They reply by sending me photo copies of a bill from XXXX claiming that " I owe {$860.00}, the XXXX bill had an unknown address and it was not on my name. I called the company on XX/XX/18 and the agent told me that the only way they consider the removal of the listing is by filing a police report as an identity theft case, I don't believe my identity was stolen, I believe it was a clerical error by the original creditor or by the collection company is reporting it. I wont file an identity theft because the credit bureaus may flag my credit or put a temporary lock on my credit which I believe is not necessary. it will damage me more in case I need to applied for credit.

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 2017-12-06
Company: BB&T CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I filed a case CFPB Case Number XXXX on XXXX XXXX, XXXX about issues with XXXX XXXX XXXX XXXX. They responded that the loan was sold to them by XXXX XXXX XXXX under false pretenses because XXXX XXXX XXXX was a 2nd not the first on the loan. BB & T was the first. We are  now working with BB & T to try to close this short sale. BB & T has a XXXX XXXX, XXXX foreclosure date. XXXX is not responding to calls from the lawyers to release/return/settle so that the sale can go through. I need help getting BB & T to move the foreclosure date out so that a reasonable closing can be processed. I could also use help getting XXXX to settle this loan with BB & T. 
XXXX is at XXXX XXXX XXXX XXXX, Va XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Paypal Holdings, 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:
Dear PayPal Customer Support Team, I am writing to submit a complaint regarding the permanent limitation that was placed on my PayPal account ( email address : XXXX ). I strongly believe that this limitation was placed on my account by mistake, and I would like to appeal this decision. 

I would like to clarify that I have not violated any PayPal policies, nor have I engaged in any fraudulent activities or activities that would warrant the permanent limitation of my account. I have always used my PayPal account in accordance with the terms and conditions outlined by PayPal, and have been a loyal customer for a considerable period of time. 

Therefore, I respectfully request that PayPal re-investigates my case and provides a detailed explanation as to why my account was permanently limited. I am confident that upon re-investigation, you will find that I have not violated any policies or engaged in any activities that warrant the permanent limitation of my account. 

Furthermore, I request that my account be restored to full functionality if the investigation reveals that there was a mistake made in limiting my account. I rely on PayPal for various transactions and it has caused me great inconvenience and financial loss since the limitation was placed on my account. 

I appreciate your prompt attention to this matter and look forward to hearing back from you soon. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Dave Operating, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
XX/XX/2023 Dave Inc Have never deposited any money into my bank account they continue to withdraw from my bank account and my bank doesn't have any deposit into my account from Dave Inc and I request a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I was issued a Rewards Card from my credit card company ( Ent bank ). This card was issued XX/XX/19. The card was defective and was not working at the register when I went to use it. So, I called the C/C company and told them and they deactivated it and said they re-issued another replacement {$100.00} rewards card. I never received it, so I called and they said it had not been sent out. So, I called again to be sure it was on the way and got the run around when I did. I was told repeatedly that no card had been re-issued, and was given another 1-800 number and was told my account did not exist. I called the Credit card company back and was given more run around. These calls happened on XX/XX/XXXX, and XXXX. It took a total of 9 phone calls to get an answer. Each time I call I am told there is no such card, or the Rewards card is not the correct type or no card has been issued, or they are re-issuing a new card and then there was no card re-issued. My rewards card has been with-held from me and I believe I am being discriminated against due to the excessive amount of dismissing and poor treatment I have been given while trying to receive help from these people. This is either a scam program or they are breeching their part of the agreement. I want action taken against them for fraud.

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 2022-10-19
Company: EQUIFAX, INC.
State: SC
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 received a response to my previous complaint that the accounts listed on that complaint came back verified. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. FCRA states that information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. You have been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not deleted from my report. Please do not update or verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contracts and physical documentation to support the information that is being reported on my credit report via mail. Screenshots and statements will not suffice. Please send my actual signature on a contract as these accounts are not mine. I am in the process of planning a legal case, so I need specific answers to what was asked of you in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Coinbase, Inc.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On the afternoon of XX/XX/20 I opened a crypto app called coinbase to check my account. At that time there was a little over {$2700.00} in the account. I was working nights that week so I decided to take a nap. I woke up around XXXX XXXX and checked my account again only to see that there was only {$1.00} left in my account. I noticed that there was two tranfers out of my account to another crypto wallet. Upon seeing that funds were missing I contacted Customer support, all they have is email correspondence no numbers for live help. Once i sent an email I got an auto response telling me that an account specialist would look into my case and contact me within 4-5 days and that my account would be locked to protect it. That was almost five months ago and after repeated emails I am still in the same place I was in back in XXXX with recurring deposits to the app and no access because it is still locked. After a little research I found various forums on social media where people were pleading to customer support on the companys XXXX and XXXX page. At one point I thought that my account had been hacked and maybe coinbase could get to the bottom of it. But then I realized that the company employs two factor authentication and my phone would have had to have been on for someone to input the one time code and access my email to confirm this unauthorized transfer. I am starting to see a pattern of customers money disappearing, losing access and that access never being restored. I have also tried to contact their CEO XXXX XXXX via social media since hes always posting on XXXX and has a huge presence on his companys page. I sent him a direct message thinking that he would at the very least want to know what was going on in his customer support department but instead he blocked me from sending messages to him. I dont exactly know what is going on with this company but they should be held responsible for their lack of communication and transparency, not to mention they are gaining new customers daily that could go through the same thing. 
Upon request I can provide emails showing no answer from customer support. I can not provide a snapshot of the transfers because they company will not unlock my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation