BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
A dispute was filed with XXXX informing them they are furnishing inaccurate an incorrect information on my consumer report and that the reporting of the inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes, and the reporting of this inaccurate information has damaged my livelihood. The IRS clearly defines a charge off as Gross or Ordinary income. Income does not get reported on the consumer report which in fact makes the reporting of the information to my account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge Off ( Certificate of Indebtness ) is Income. Reporting this account as a debt is inaccurate. 15 U.S.C. 1681 section 602 A states that I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 reads that a consumer reporting agency can not furnish an account without my written instructions. 

The charge off accounts on my report are as follows : XXXX XXXX  XXXX XXXX XXXX 'S 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 2023-08-03
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: Information belongs to someone else

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX : Identity Theft Victim To whom it may concern : I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 


Sincerely, XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) XXXX XXXX XXXX XXXX {$3300.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT 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 non-monetary relief
Consumer complaint received 2021-11-05
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In reference to the previous complaint, # XXXX, company stated they were unable to access the video I provided that was evidentiary to my complaint. 

I uploaded the video to XXXX and here is the link : XXXX XXXX XXXX This should provide clear evidence that the correct link was used and that the purchase was made within the terms of the promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-11
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax and XXXX is blocking my credit file. 
I am attempting to dispute. XXXX XXXX XXXX XXXX collection accounts and XXXX XXXX XXXX and National credit adjusters I want these 3 companies disputed as follows : I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Please govern yourself accordingly!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: MN
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 went to apply for an auto loan. I was denied. I discovered that the fraudulent for XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 non-monetary relief
Consumer complaint received 2022-04-14
Company: Block, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I am a pastor of the church, XXXX XXXX XXXX XXXX, a 501 ( c ) ( 3 ) nonprofit organization that receives donations through Cash App. Cash App aka Square Inc. has for the past two years reported income received from the church as if I received I personally. I recently received a notice that I personally owe over $ XXXX in taxes ( penalties to be assessed later ) on income I never received. I have tried for weeks to speak with someone at Cash App but they will only communicate via email. Bottom line is after begging to be routed to a supervisor who understands and read XXXX, writing to XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX and providing documents proving that I did not receive this money from Cash App and uploading the same documents to a secure portal, and being told that a revised 1099 was uploaded to the Cash App portal ( it has not ), I have not received any resolution. I have been forced to file an extension with the IRS, hire an accountant and now I am searching for a tax attorney all because Cash App erroneously issued 1099s to me personally for income that was received by a tax exempt organization. All they have to do now is issued corrected 1099-Ks for XXXX and XXXX but they refuse to do it and because I am dealing with people who do not live in the US and have no idea what a 1099-K is, they won't address my issue. I have filed two previous CFPB complaints and Cash App claims they can not find my account, even though I provided detailed information and via email they have acknowledged they know exactly who I am. Here it is again : XXXX XXXX XXXX XXXX XXXX XXXX Cash App $ XXXX Address XXXX XXXX XXXX, XXXX, PA XXXX I have uploaded documentation proof to your secure portal as requested under CASE NUMBER XXXX and have received no response. I am now uploading those same documents here - this is irrefutable proof that the money was received by the tax exempt organization, not by me personally. Please provide a resolution and correct your tax reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Ocwen Financial Corporation
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: Their investigation did not fix an error on your report

Complaint:
I have reached out to PHH Mortgage services and XXXX on many different occasions and get no response from them. In Accordance with the Fair Credit Reporting act PHH Mortgage 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 sates a consumer reporting agency can not furnish an account without my written Instructions.

15 U.S.C 166B : A Creditor may not treat a payment on a Mortgage account under an open end consumer credit plan as a late payment for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX  Balance : {$4700.00}, XXXX XXXX Balance : {$11000.00}, XXXXXXXX XXXXBalance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}

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 2017-04-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I went though a divorce several years ago, my husband Quit claim deeded the martial residence to me. I 've forwarded financials and request for modification to the mortgage servicer serval times. My credit has been pulled numerous time as well, I still reside in the property. Select Port Folio has assigned my file to several relationship managers, no one with the mortgage company has completed the request for mortgage modification. I feel I 'm being given the run around. I was also recently informed I needed to attend a Hud homebuyer class. I 've owned several homes and I feel I 'm being harassed and decimated against. I want the mortgage company to please complete the modification request There is a pending property foreclosure sale date set for XX/XX/2017. 
Please HELP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Innovis
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:
FTC VIOLATIONS XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX   Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Experian Information Solutions Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
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 purchased a vehicle thru XXXX XXXX and XXXX yrs into the loan thru XXXX XXXX I find out that there where XXXX different contracts with XXXX different amounts that I was totally unaware of the one XXXX XXXX  has that the dealership sent to them with my signature fraudulent activity using my signature but not from me I made both the dealership and finance company aware of this and they rapidly blamed each other and the dealership also refused to show me any proof of my purchase or contract I was told the car was brand new and that I was sold a extended warranty that I later found out was not true on the contract the finance company had as well as a vehicle I had I plan to trade to the dealership was showing in the contract as a trade when I actually was told by the sales guy they won't be taking my trade I went to the dealership with the finance company on the phone and was treated so bad I cried they kept saying that the finance company had gotten my contracts confused with another company the lady at the finance company was hearyhim say this and told me he was being recorded and to stay calm but later they both have yet to fix issues also the transmission had went out six months after i purchased but kept being told due to COVID-19 i cant get in for repair then later i discovered this because i had the fun company send me there copy when i notice the amounts where off during attempting to make a payment over the phone with a rep who later sent me a copy of the ond they where sent please help me i am mentally exhausted heart broken I honestly went to the dealership trying to better my financial future and it made my worst nite mare a reality please help i am in the process of tryin to fix my credit and this is not right thank you to whom this may concern

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 2023-04-09
Company: Block, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Cashapp is the company. 
The issue began with inaccurate info on the account. Having not received the physical debit card from cashapp, but being able to transfer in and out and a digital card. I started noticing multiple transactions, for amounts {$19.00}, {$49.00}, {$99.00}. over and over and over. I notified them, and filed a number of disputes, explaining the debits were unauthorized, and unknown to me, notified them card never arrived, notified them some of the charges appeared to be duplicates. They put me through their dispute process, filled out their forms. Within a day or two usually, and up to a week following the filing of the dispute, I would get emails denying each and every charge, and the emails said the charges were authorized and processed by them at my approval. I followed up by requesting the explanation of how they reached this determination, as provided under Regulation E. I was emailed a spreadsheet that showed some of the disputed charges, with the status captured in the box next to the charge, and a description card not presented. No further explanation was provided. I proceeded to question further and sent them the information pertaining to regulation E and disputes resolution. Emphasis on the section that provides, if the institution can't establish valid proof as to the disputed transactions being valid, the customers account MUST be credited for the funds disputed charges. Again I proceeded to file additional disputes again to reevaluate their determination. Further agreeing to accept the {$50.00} liability on the unauthorized charges. And this kept going for several weeks. When all was said and done, they continued to deny the disputed charges, and failed to furnish any sort of explanation of how they reached the denial. Ultimately they closed my account claiming violation of terms and conditions, with no further explanation, simply this can only amount to their means to escape accountability for charges UNAUTHORIZED and disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: Weinman Acquisition Group
State: NV
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In 2012 I submitted my personal information to a website that I unfortunately do not remember. This so called company I guess was not a direct lender but a solicitor and passed my info to XXXX " lenders ''. At the time I wanted to get a small loan. $ XXXX-XXXX. I made the mistake of providing my banking information. The company that is now trying to collect for XXXX XXXX ( Weinman Acquisition Group who has a P.O. box and no brick and mortar address ) says that they purchased my account from XXXX and that I got a loan from them. I asked when this was, how much was the original loan and if they could show me documentation which states I accepted the loan. The initial company who tried this XX/XX/2012 was not XXXX. I asked them to provide me with the same proof and documents and I never heard from them again. The XXXX XXXX provided me with a document they drafted with a dollar figure that they want me to pay. I still do n't know the original loan amount and must now go to XXXX XXXX and ask for transactions for XX/XX/XXXX and XX/XX/2012. XXXX XXXX stated that the transaction took place XX/XX/2012 but did not provide that info with their letter. I will attach a copy if your site allows. The amount the are asking me to agree to is {$750.00}, they say it was reduce from {$1100.00} and will go to over {$3000.00} if they file paperwork with XXXX County Nevada for fraud. The person I spoke with is XXXX XXXX. Says he is a mediator and wants to help and says he is offering this to keep his layers from filing the paperwork in XXXX County Nevada. Not clear if he works for XXXX or Weinman, but was clear on how much money he wants me to pay. 

I do n't remember receiving any money at all! and certainly not {$3000.00}!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am sending my CFPB complaint to inform you that the Credit Bureaus should resolve this issue. The current status should not be showing late because I paid it on time.The Credit Reporting Agency lacks proper record keeping. The accounts are open and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct these immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Kindly provide me a documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise remove these accounts immediately : XXXX XXXX Balance Owed : {$150000.00} ; XXXX XXXX Balance Owed : {$13000.00}.

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 2021-03-26
Company: JPMORGAN CHASE & CO.
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company name, XXXX XXXX XXXX its a robocall whom of which i have no idea what there calling for. They call almost everyday and its very inconvenient. And sometimes very disruptive. I believe they are calling for someone whom is deceased, and i can not help them with what they are calling for. I need them to please stop and lose my number, they are calling. Private home phone and being very disruptive. I personally dont do any business with chase,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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.

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 non-monetary relief
Consumer complaint received 2023-11-06
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have never ceased the payments on the loan, even during payment pause. I have continued to pay the {$140.00} per month on the payment which is actually {$140.00}. 

I received an email today saying I missed the first payment since the payment pause was lifted. I have digital records showing I have sent the payment consistently throughout the duration of the payment cycle ( for years ) I feel this is a simple problem where payment may be misdirected ( they have changes acct # 's with no notice to me, I see this on their website after todays email ) but can not get in touch with the Aidvantage, they will NOT answer, they have NO email and their chat is a BOT. 

I just want to get this solved and understand where my payments are going. This whole.student loan issue is a mess since they transferred it to Aidvantage without any option. I contacted them and have held for HOURS and not ever picking up. I just want an agent to help me understand this issue,

Company response to consumer: Closed with explanation