BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
All three credit bureaus have previously responded that XXXX XXXX verified XXXX account NOT MINE I have seeked representation against reporting agencies as well XXXX XXXX for not providing documentation I own this account do to the damage and denial of purchasing a home this has created much damage not to say emotional damage in XXXX CFPB in Know way enforced the frivolous response and or replied in regards this complaint has been going on for over 30 days ALSO PLEASE REFER TO XXXX XXXX AS WELL I have provided court documents stating This is no longer my account CFPB as welXXXX XXXX XXXX Is in violation of the reporting act and all avenues have been exhausted to the matter to file suit

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 2022-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
CAPITAL ONE BANK USA N / 30 days late in XX/XX/2020, XXXX 2020 and XX/XX/2020. 

15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Affirm Holdings, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Since on or about XX/XX/2021, I have been trying to get this issue resolved with the AFFIRM company. They are a financing company. I used them to finance a 65 ' TV that was purchased from XXXX ( Not in the store ). The tv was purchased in XXXX XXXX. Unfortunately, I was in a major car wreck that almost took my life! Due to my recovery time and still attempting to recuperate from my car wreck, I was not able to unbox the tv until XXXX XXXX.At that time I discovered that the tv was broken! I called XXXX several days throughout the month and was repeatedly placed on hold for exuberant amounts of time 20 minutes and longer. At the same time, usually on the same day, I would contact Affirm to advise them of the situation concerning the broken tv.. Each time I would speak to someone in Customer Service XXXX XXXX they acted like they understood what I was talking about and then they would tell me what they " thought '' I said and it was not correct! I would call repeatedly and the same situation would occur. I was told by XXXX CSR that I would need to get a refund from Affirm and they the Affirm CSR would say I need to get a refund from XXXX. Affirm has been attempting to collect payment from me for a tv I received that was broken, yet due to the continual problems that I have experienced, I did not make the payments. For the past 3 months, Affirm has been sending me emails advising me to submit proof of purchase, proof of broken tv, etc. I submitted the requested information and they still continued to send these emails. Now they have CHARGED OFF the balance {$320.00}. This has severely effected my credit. I am unable to purchase a vehicle because of this erroneous situation that they are reporting. Even though they have charged off the account I am STILL getting HARASSED with emails from Affirm! Now, I am being harassed via email and text message from XXXX XXXX, I think that is the collection agency that purchased the account. This is absolutely ridiculous! Affirm is the worst finance company I have ever worked with. I need this situation resolved immediately! I need my credit corrected of all late payments and charge offs. I need to be fully refunded all of the money that I paid ( Totaling : {$250.00} )!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Loan servicer : FedLoan Servicing At the end of XXXX I called Fed Loan Servicing at XXXX to request a {$20000.00} refund for payments I made during the Covid pause. They informed my request was accepted and I should receive the refund in a form of a check or directly deposited back to my bank within 3-8 weeks. 

On XX/XX/XXXX I called and spoke to a second agent to told me my request was still visible and I should be getting the refund soon. I checked Fed Loan 's webiste and it still shows my loans are paid off and have not be returend. 

On XX/XX/XXXX I called to check the status and ask if I needed to submit another request. They said no, they are still waiting for things to be processed. 

As of today, XX/XX/XXXX I would like to have my refund expedited so I can proceed with the loan foregiveness application. Please let me know when I should expect to receive an update on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX Balance : {$4900.00}

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 2023-02-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have made all the necessary steps to have my consumer report reviewed and get the accounts deleted because of inaccurate amounts, no investigations, and no deletions. The only thing thing they did was vertify this information and i did not give any written approval of putting my information on my credit report. There is a need to insure the consumer reporting agency 's exercise theri grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Any other adverse items are not to be written on my credit report. They have reported inaccurate information. I have written to them 3 times to conduct an investigations and they did not follow the laws when conduction these investigation because no one around me has been contacted by these agencies. I want them to deleted these items immediately.

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 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is a formal complaint that the Credit Bureaus have ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

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 2023-09-27
Company: EQUIFAX, INC.
State: AL
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: DISCOVER BANK
State: NJ
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:
In accordance with the fair credit reporting act convergent account # XXXX, my DISCOVER it chrome card account # ending in XXXX, and my XXXX  XXXX XXXX account # ending in XXXX, has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 2019-11-26
Company: Love, Beal & Nixon, P.C.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A garnishment hold was placed on a checking account of mine for a debt that is not mine. The collection company ( Love, Beal & Nixon PC ) in XXXX  XXXX, OK refuses to provide any information on what the collection is for, they have not validated the debt and I was never served with any paperwork for this debt. I have never been made aware of this debt and does not show up on my credit. I have no idea what this is and the collection company refuses to communicate any information in regards to this debt they are attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Unsure of exact dates. Had a vehicle that was late on payments and had a small accident. Lost job. Asked for assistance but Wells Fargo only kept threatening to repossess it, even within the first 30 days. Asked for payment to be put at the end while waiting for first paycheck and they refused. Eventually the engine blew up on it while I was about XXXX days behind and when told them to come get it as a voluntary repossession, they refused. It stayed on the side of XXXX XXXX, XXXX for XXXX days ( I lived down the street and passed it multiple times a day ). It was taken between day XXXX and XXXX. A few months later I was renewing my car insurance online and noticed a claim for the vehicle after the date I called to surrender the vehicle. 
XXXX told me Wells Fargo placed a claim for hood damage. I had photos of the vehicle when it broke down on the side of the road in perfect physical condition after I removed the tags. The photos they provided had a CLEAR T shape in the center of the hood that was obviously from a tow truck stopping their tow piece on the hood. I spent months with the insurance company and paperwork showing my calls to them surrounding and the photos, eventually having the insurance company reverse their decision to place against my policy. WF then sued me for the difference of the loan and what they got at auction. I fought the situation, but ultimately had to file XXXX  with this debt when I did not have poor credit prior.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am complaining about the company Cash App. On or around XX/XX/2023 they unexpectedly closed my account without explanation. The only thing that was mentioned was that " Your account has been found to be in violation of our Terms of Service ( https : //cash.app/legal/us/en-us/tos ) and/or Acceptable Use Policy ( https : //cash.app/legal/us/en-us/acceptable-use-policy ) and has been closed. '' Notice, they send a general list of violations, nothing specific to my account at all. When contacting support for clarification, they reference the same thing. This is in direct violation of my consumer rights as any action taken may be supported by proof and/or a valid explanation. Instead, they ask me what my account is used for, I reply, " Exchanging money between family and friends. '' Which says, that if they had to ask, then that means they are truly unclear on what the violation is if any at all. If we let institutions just shut down our accounts and give blanket statements as to why the shutdown occurred, this gives them unchecked authority to do what they will. This is unacceptable. 

Cash App Handle : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. 
XXXX XXXX : # 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 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 2022-04-30
Company: Experian Information Solutions Inc.
State: NJ
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:
On XXXX XXXX, 2022, I sent a letter requesting the XXXX credit bureaus to investigate every piece of information on my credit report. According to FCRA, credit bureaus are supposed to investigated these items. They have sent me notification that the items were verified. They didn't do a proper investigation according to the law. Every piece of information listed on my credit report is still not 100 % accurate. 
The credit bureau has violated 15 USC 1681. The credit bureaus are supposed to complete all investigations before the expiration period under Section 611 ( a ) ( 1 ). The following accounts were not properly investigated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Ive been contacting all 3 credit bureaus for a while now and information such as accounts that were closed in XXXX  are reporting as negative non payments on my credit even though the accounts are closed. 

XXXX in particularly reports XXXX different accounts on my credit that does not appear on the other two credit bureaus which would be inaccurate information! 

On XXXX XXXX I wrote all XXXX companies requesting this information be removed, and If they could provide me proof of ownership for the accounts and I have not heard one single word from either company!

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
They didnt try to help me, turn down my modification so I lost my house

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 2021-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
To whom it may concern, Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 U.S. Code 1681 is the same as it is under 15 U.S. Code 1602 ( l ) which is the term credit card means any card, plate, coupon book or other device existing for the purpose of obtaining money, property, labor or services on credit. Notice, Congress said Any card. The credit card is my Social Security card.This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 U.S. Code 1681a ( 2 ) ( B ). I am demanding that you remove this Transaction from my Consumer report immediately as it is a violation of my rights as a federal Protected consumer under the title 15 chapter 41. 

Capital one bank usa

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Experian Information Solutions Inc.
State: PA
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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