BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: NV
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 this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 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 refurnish an account without my written instructions. Under 15 U.S.C. 1666B A creditor may not treat a payment on a credit card account under an open and consumer creditor plan as late for any purpose.

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 2023-10-03
Company: Cascade CISS Holdings, LLC
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Inquiries were not removed as requested and the company which pulled these inquiries can not verify or validate the inquiries as valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I use CashApp to transfer money back and forth between my employees, family and friends. CashApp launched a XXXX service last year that made it easier for average consumers to purchase and hold XXXX as well as send XXXX back and forth between consumers on the service. A scammer reached out to me trying to sell me an investment opportunity in XXXX and this investment had to be made through the CashApp service. I unfortunately became victim of this con and lost over XXXX XXXX dollars to the con artists on this CashApp platform. This happened between XXXX and XX/XX/2022. I reached out to CashApp to file a complaint about the lack of protection for consumers in the service. They let scammers and fraudsters use their service to exploit people like me. I even sent letters to them through certified mail but I have heard nothing from them. I feel like I have run out of options with them. I have all the records as well as correspondence with them and with the fraudsters and well as all the transaction records. Please assist. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I am disputing the Hard Inquiry from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX Made on XXXX XXXX 2015. 
I have attempted to request of them to remove the hard inquiry since I did not initiate it. 
They CAN NOT be reached as XXXX reports they have gone out of business. 
XXXX THEREFORE, neither can Experian to verify this is a valid hard inquiry, that I requested which it is NOT, therefore since the I contest it is not and have done due diligence by reaching out to the furnisher and they have nor can not respond, I am requesting this Hard inquiry be removed in accordance with 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 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-04-07
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: Personal information incorrect

Complaint:
I have previously sent my ID and bill showing my ONLY verifiable and accurate address. I also sent my social security card showing my ONLY verifiable name. The bureau still has not made this correction and continues to report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Exeter Finance Corp.
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX XXXX Balance {$16000.00}. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for HAF program back in XXXX for payments to begin in XXXX. Payments never issued and applied although approved. PHH mortgage servicing provider NEVER advised payments were never received. HAF insisted they are sending payments. PHH is saying no payments issued. I have called HAF several times they insist payments have been made. I currently own the home with my EX wife who lives in the home. She applied for this program and was approved as she is part owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: QuadPay
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I purchased a product from XXXX XXXX on installment payments through QuadPay order # XXXX. QuadPay processed my card for XXXX. The merchant XXXX  never sent me any products nor responded to any contacts Ive made about my order. My bank blocked payments and I notified QuadPay to stop processing my card on XX/XX/2020. Ever since then they have been trying to process my card for a product I already advised them I did not receive. It is now XX/XX/2020 and I still have not receive any claim from the merchant and they still have not contacted me. Today QuadPay have attempted to process my debit card over 30 times and it has been going on every couple minutes for hours and continues to as the night goes on. This is extremely harassing its abusing and absolutely ridiculous. this is my second time notifying the company to stop process payments from my bank because I did not receive product i ordered from XX/XX/2020 and have reached out to merchant multiple times and they still have not contacted me regards any claims. They have sent emails about sending my account to collections and continue to process my card everyday multiple times for hours at a time and here I am XX/XX/2020 with no refund from merchant and the company has done nothing but harassed me and I would like it to stop and furthermore their system does not allow me to delete my card from account. Its emotionally distressing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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:
XXXX Account Number XXXX This account does not belong to me. 

XXXX XXXX XXXX Account Number XXXX This this should be removed from my credit report, it's been past 7 years! 

XXXX XXXX XXXX Account Number XXXX This does not belong to me. 

XXXX XXXX XXXX XXXX  Account Number XXXX Section 1026.10 ( A ) Does not require the creditor to post the payments to the consumer 's account on a particular date. The creditor is only required to credit the payment as of the date of the receipt. Meaning, the creditor can only report payments on date of the receipt, not before or not AFTER!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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 disputed the inaccurate reporting on my credit report from Bank Of America. They sold the information on my report to another agency I disputed the inaccurate reporting on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Bank of america has failed to send me any letters validating the debt. I have asked them several time to remove this from my 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 explanation
Consumer complaint received 2023-06-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2022-04-07
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My partner and I opened a new checking account at PNC Bank online on XX/XX/XXXX. 
We completed an electronic transfer {$1000.00} each from our respective checking accounts at XXXX  XXXX XXXX and XXXX XXXX XXXX on the same date. 
As of today XX/XX/XXXX, the {$2000.00} we transferred to this new PNC checking account have not been made available to us. 
And, as of XX/XX/XXXX our access to the account on line has been revoked. 
We have made multiple phone calls to their customer care, and retail service departments as well as personally visited two of their branches, XXXX XXXX XXXX branch in XXXX on XX/XX/XXXX, and XXXX XXXX branch in XXXX XX/XX/XXXX without any results, or explanation for the hold. 
As of today, PNC bank has been holding our {$2000.00} for over 40 days without any reason whatsoever, leaving us without recourse in the matter. 
We find PNC 's actions abusive as this funds are needed for our subtend.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-06
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: Their investigation did not fix an error on your report

Complaint:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: LEXISNEXIS
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023, I received an alert that an inquiry was made of my XXXX XXXX report. According to the alert the inquiry was from XXXX. I have not applied for credit for XXXX. I have a credit card with XXXX that was opened 7 years ago, but nothing recent. A couple of weeks ago, I called XXXX to inquire about raising my credit limit but chose not to seek an increase after I was told that it would result in a credit inquiry. After learning of this inquiry, I called XXXX it had no information on the inquiry. Please remove this inquiry from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: KY
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:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 explanation
Consumer complaint received 2018-10-17
Company: USCB Corporation
State: MN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I spoke with a man on XX/XX/2018 and asked him about this account, I told him I had no idea the account was in collections. He told me, they had the incorrect address and telephone number listed for me. I told him the telephone number has been the same for the last two years and I did not receive one phone call from the school or collection agency at all. I was told the account had been in their office since XX/XX/2018, and the only reason I knew about the account is because I went online to continue my classes and was directed to call the collection agency. I was shocked I had no notice prior to account being in collections nor after. I asked the representative if this account had been reported ( he told me No ) and did not tell me it will be reported in the future. I explained I needed to call back to speak wit my parents to try and borrow some money so this payment would not be a strain on me later. I called today once I make the payment on the account and told the representative ( lady ) that I was upset because the gentlemen did not disclose this account was due to be reported. I asked for the manger to pull the call and call back because I know calls should be recorded as well. I made the payment and told the representative a complaint will be filed because this is unfair practices. This should not be on my credit report, I did not have a chance to dispute it or make an arrangement prior to reporting this as well. I know collection agency did not make a fair attempt to contact 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 2018-04-11
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hi, 2 weeks ago I linked an account in order to make deposit on Coinbase. So I just sent XXXX euros and the day after my account was linked and the XXXX euros were on the account. 

The XX/XX/XXXX I did a XXXX euros deposit through the internet site of my bank ( who has coinfirmed that the money went through ) to coinbase account, but instead of doing it from the linked account I did a mistake and sent it from another one ( Which is also at my name ). I used the same code as the linked account to put as an information for the deposit. 

On their internet site they say that in such case the money would be refunded under 10 days. So far it has not been refunded. And since the XX/XX/XXXX, I am sending requests through their website, and I have got no answer. 

I thought I could try to link the account afterward but as the BIC ( Bank identifier Code ) number is identitical from the other one ( of course it is the same bank ), it won't let me do it, there is an error message. 

AS I thought I just had to wait for a refund and I'd get soon a reply to my request, I then sent again XXXX euros from the linked account the XX/XX/XXXX. Coinbase say on their internet site that for SEPA transfer from XXXX it takes 2 to 3 business days. But so far nothing. The worst is, as already said, you have absolutely no one from their customer service to reassure you and answer your requests in an normal delay, which should be the mnimum with this kind of money service. I am let totally in the dark. 

I am a XXXX  citizen but as the customer service is only based in the US I have no other way than making a request through CFPB. 

Could you help me? 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
On or about XX/XX/XXXX, I had to pay rent and went to withdraw my saved up unemployment benefits on Nevada Bank of America Unemployment Card. I received the error message " Tech Error ''. Contacted Bank of America and was told call Nevada DETR- call Nevada DETR several times stated DETR did not close account, you must verify your identity with ID.me online- Add identity info and still waiting as of today for a solution. I NEED MY MONEY NOW!! I fax BOA Resolution desk with this complaint- BOA need to transfer my government unemployment balance to my XXXX XXXXXXXX XXXX  with direct deposit notice given and sign. I CAN NOT USE BOA UI CARD - THE CARD IS CLOSE AND I CAN EVEN ACCESS BOA UI ONLINE FOR TRUE BALANCE! TRANSFER Balance NOW! 

Nevada Unemployment Insurance Debit Card - Home Page XXXX XXXX What's happening : As of XX/XX/2021, your Bank of America debit card will no longer receive deposits from the NV DETR. Your Bank of America card account will remain active until XX/XX/2021. What you need to do : Prior to XX/XX/2021, you may continue to use your card. If your card expires after XX/XX/2021 it will not be reissued.

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 2020-12-15
Company: EMCC Holdings, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-11
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
After I paid in full my mortgage with dtech financial I requested the refund of my scrow account. The mortgage was paid in full on XX/XX/2018 and XXXX confirmed on XX/XX/2018 that a check of {$2800.00} dollars was issued already. Three weeks later the check was not received and I contacted again dtech customer service for an update. I was told that they have no control over USPS as the check was mailed already. They offered the possibility of making a direct deposit if within a week the check was not delivered. A week later I called again and at this time I was told that dtech does not make any direct deposits to reimburse scrow balances. I was ensured that a new check was going to be issued and delivered within 5 to 10 business days. Today I have been told that the check has not been issued yet. This situation is unacceptable from a financial institution who will not hesitate to charge you fees if you do not pay your morgage on time. However they have the luxury to play with customers money and blame the postal office when the checks mysteriously disappear.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation