BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-12
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ALL ACCOUNTS & ALL INQUIRES XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights as follows : 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 an account without my written instructions which I have NOT provided. 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.

Any and ALL potentially negative or adverse reporting, as well as unverified and inaccurate information must be deleted from my credit report immediately. Remove these items listed at your earliest opportunity.

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 2022-10-20
Company: Fradkin & Weber PA
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back in 2020 I contacted Fredkin and Weber located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX to arrange a payment plan but unfortunately I didn't get the job and my income was SSI for my disability I owed a little over XXXX now due to interest it's over XXXX I believe that they are adding on outrageous interest to the original judgement amount which is unethical I wasn't able to come to court due to minor being sick and being a single mom I asked for a postponement yet it wasn't it's been a living nightmare dealing with them they've been sued in the past for unethical conduct as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Atlanticus Services Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have previously filed a complaint against this credit card company. I have not used this credit card in over a year and I have made payments of at least {$20.00} a month. However, every month I have been hit with overage fees. There has also been charges made to the card that wasn't made by myself. At this point I believe the account has been closed and now there is charge off on my credit report despite a payment being made every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, my friend sent me {$400.00} ( of which {$6.00} were fees ) over Square Cash I had the immediate debit card transfer turned on, and the funds transferred over to my XXXX XXXX  debit card. However, I had closed down the bank account ( and debit card ) a few days prior. 

XXXX XXXX  said that they did not receive the funds Square Cash said that they confirmed with the payment processor that the funds were successfully sent to XXXX XXXX I am now in a predicament because my {$390.00} has essentially disappeared in thin air. Neither party is claiming responsibility for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Block, Inc.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX XXXX, I opened a checking account with XXXX and made a single transaction of {$27.00} by transferring funds into it. However, to my surprise, on XX/XX/, I received an email informing me that my account had been reviewed and that there was activity that your platform was unable to accept. Consequently, they mentioned that my funds would be held for a period of 90 days. 

Naturally, concerned about this unexpected development, I immediately contacted the customer service department seeking clarification on the nature of this activity. Unfortunately, I encountered a disappointing experience. The representatives I spoke to were unable to provide me with any meaningful information or assistance. They could not tell me what activity was made. They also would not let me speak to anyone in the security department. No one I spoke to could give me a valid reason or explanation.I found this lack of transparency and support disheartening, especially considering that the only transaction made on my account was the initial deposit I made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The companies name is a firm. I bought some shoes that were {$260.00} that were counterfeited shoes that were rubber. They were XXXX XXXX so after I bought them I received them and I seen that they werent real so I tried sending back but they wouldnt provide me with a return label but they did provide me with an address to send them back so I sent them back with my own money {$30.00} and I never received any confirmation anything else about this company or its a scam fraud so the companies is sending me now to collections affirm sells counterfeit products

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was forced to use an ATM in a rather rough part of the city that I reside in one day back in XXXX of last year. It was only a few days after the XXXX holiday. The date in question is XX/XX/2021 to be exact. I was unsuccessful in withdrawing funds due to internal atm error, and I have the receipt to prove it. I contacted my bank and informed that funds that I attempted to withdraw were never dispersed, yet the funds that I attempted to withdraw were still subtracted from account as though funds were dispersed. I was totally shocked that this happed and the Bank was quick to reimberse my account. A few weeks after my bank ( Chase ) subtracted the funds following a more thorough investigation. Again, I had to suffer being violated of having money stolen from, once from the sketchy atm and a 2nd time by the bank that was supposed to protect me. I have lost all trust in storing my money in banks. I didn't know where to turn, so I just decided to start here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Netspend Corporation
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I received a card by mail, it was in my home a while ago. I don't apply for credit cards or use credit cards. when I tried to call the number on the back of the card it was one of the scams recording voice that wants you to speak and say " yes '' to record you saying this work. the number on the back is XXXX on the back also a circle in gold color says DEBIT. There is a number on the front of the card to activate the card XXXX XXXX and XXXX XXXX  logo. I want to make sure that no one is having my personal info or using my info to issue credit cards or making financial transactions using my name.

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 2023-09-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2022-10-20
Company: Experian Information Solutions 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:
I have sent many letters to all three credit report agencies to remove ALL charge off accounts from my credit report. 

I know pursuant to 15 USC 1681 it is their responsibility to report fair and accurate reporting. I also know that this grave error has cause detrimental damage to my livelihood. These companies assumed this vital role in assembling and evaluating consumer credit and they are continuously furnishing inaccurate information. 

Experian, XXXX, and XXXX are violating my rights and breaking federal law!

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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
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 XXXXXXXX, 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 XXXX XXXX XXXX 

15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2. States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681C. ( A ) ( 5 ) 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 conviction of crime 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 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 2017-12-14
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Resurgent Capital Services L.P.
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:
LVNV FUNDING LLC IS IN VIOLATION, UNDER NMLS CONSUMER ACCES THEY HAVE STATE LICENSES/ REGISTRATION TO BE OPERATING IN THE STATE OF XXXX. THEY ARE REPORTING FALSE INFORMATION ON MY CREDIT REPORT IN REGARDS TO HIPPA FILES I GAVE NO CONSENT TO USE FOR PUBLIC INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX we made a payment using a wrong account number. We notified our mortgage company and we gave them the correct account number and the payment was cancelled from the first account and taken out of the second account. In XXXX we make our monthly payments as scheduled. Then a week later we were told we didnt make a payment and the money was reversed. Our bank send the Mr cooper documents showing we never received any money back for XXXX, however XXXX went ahead and pay then again until they fix the problem. XXXX we paid, everything was resolved then in XXXX after we make our payments theyre saying we owe over {$3000.00}. And no one can give an account for our payments. Even with documentation that money never refunds back into our account they have fixed the issue. We sent the message from their department that the problem was fix and nothing. Now they want us to pay another 2 months of mortgage when we already and its unfair. We asked to speak to a manager they say 48hrs its now 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
There are incorrect addresses being reported on my consumer report. 

There should be only one legal name that should be reported on my consumer report.

There should only be one phone number being reported on my consumer 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 2023-10-25
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX  Bankruptcy Account Number : 2013657 has violated my rights. Or list of inquiries 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 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. 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 2022-10-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, submitting this CFPB complaint to request to Equifax Credit Bureau to remove the negative marks from my Credit Report. Under the Fair Credit Reporting act, the Credit Bureaus are required to take a look and investigate the disputed accounts being reported on my Credit File. Also, Only Equifax is the one reporting this account as late and have already been updated and corrected from the other Credit Bureaus. Once again, I am requesting that Equifax Credit Bureau update the account : XXXX XXXXXXXX XXXX XXXX Opened XXXX. XXXX, 2020 XXXX {$22000.00} ; and turn the account as positive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom it may concern : I initiated a refinance with TD Bank on XXXX XXXX, 2020, with a 30-day closing. It has been 90 days, and my closing has been postponed 8 times, loan team is unresponsive to my attempts to reach them, and fails to share vital information. All requested documentation has been provided on my end within 2-3 hours of request, and failure to process the documentation in a timely manner rests solely with TD. I am supposed to be closing today, and no one has been in touch to provide information on said closing, nor to inform me of a further delay in the process. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Ally Financial Does not have the authority to report any information to the credit Bureaus during an open CFBP / Arbitration case. They are breaking code 12 CFR 1026. They are also not allowing the process to be completed.

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 2023-10-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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:
i was a victim of identity thief i have been working with XXXX equifax and XXXX  for some time now, i have accounts that seem to be taking off and added to the other, i have filed reports with the FTC i keep sending over the reports, they keep saying the accounts are verified XXXX bank removed the account for years and now its showing again XXXX  changed the amount and account number and added it back to my file XXXX XXXX XXXX due to fraud XXXX XXXX due to fraud XXXX XXXX due to fraud XXXX XXXX  due to fraud XXXX XXXXdue to fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
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:
Time has already passed but up until now, I havent heard any kind of response from the 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 items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation