BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
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:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : CARRINGTON MORTGAGE SERVICES, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : 11, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX. 
ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX  AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: LD Holdings Group, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a rate/term refinance on my second home at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. The XXXX is less than 50 %, my XXXX is over XXXX and my income is more than adequate to qualify. I was promised a 30 year fixed rate of 2.50 % with no closing costs or prepaid costs. I made application on XX/XX/XXXX. XXXX of the forms I signed was a lock-in agreement where I agreed to float the rate. I told the MLO I did not wish to float, but he said not to worry. On XX/XX/XXXX he verified that I was locked in per the email included. I also told him to lock my home at XXXX XXXX XXXX, XXXX, NC XXXX. Since that time he has been extremely difficult to reach via phone or email. Suddenly I get an email from him on XX/XX/XXXX saying the XXXX XXXX XXXX was never locked and he has no recollection of my request for the loan and identical lock on XXXX XXXX. I respond on XX/XX/XXXX, that he is in error and that I would be forced to contact the CFPB for help. On XX/XX/XXXX, I receive an Adverse Action with denial based on lack of documentation. I had previously delivered all requested documentation to him and had asked him what else he needed. He said we were fine. Whatever is going on here is not right. Please help me. Thanking you in advance. XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XX/XX/2019, credit card company sent me a letter asking for further information regarding my dispute with Sears for a charge of {$140.00}. I ordered a XXXX XXXX  10 inch sliding Compound Miter Saw ( Order Number XXXX ) on XXXX XX/XX/2019. Sears shipped the item on XXXX XXXX and I received it on XXXX XXXX of this year. 
On XXXX XXXX, I contacted Sear Member Services via their chat line ( XXXX -- Sears Case Number : XXXX ) informing them that the item was defective. Specifically, the saw blade would not align with the kerf box. If the saw was activated, it would destroy the rubber siding of the box and cause injury to the user. I requested return instructions. 
I was assured by operator XXXX that I would receive a return shipping label within 24 hours. None arrived. Subsequently, I received the same assurances from operator XXXX on XXXX XXXX then operator XXXX on XXXX XXXX. No return label or instructions were received despite my repeated attempts to secure one. 
On XXXX XXXX, operator XXXX again promised a label -- - none arrived. On XXXX XXXX, operator XXXX repeated the same response without effect, no label. On XXXX XXXX, operator XXXX stated that the merchant has been in contact with you. I told him that no one was in contact with me and that the item still sat in my house. 
On XXXX XXXX, I received an email from XXXX stating that we have escalated your issue to the higher authority so that they can investigate the issue and assist you further. On XXXX XXXX, I once again went to the Sears chat line and operator XXXX told me that Sears marketplace guarantee would cover the entire {$140.00} dispute. 
I received the return shipping label via email that afternoon. Following instruction sent with the label, I went to XXXX and placed the shipping box inside another box at additional cost of {$37.00} and sent it to XXXX, SC ( Tracking Number XXXX ). It arrived on XXXX XXXX. 
I have hard copy documents to support each of the actions I have taken to return this defective item. If you desire, I can send them via surface mail. 
The credit card company had held the payment in dispute then reversed the credit stating that I still had the item. In reality, the seller informed the credit card company they had not received the item the same day they sent me return instructions. I paid the bill, but I have received no assistance from either Sears or the credit card company to credit me for the cost of the item plus the shipping.

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 monetary relief
Consumer complaint received 2023-10-16
Company: Block, 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:
Not surprising but unacceptable that Cash App refuses to refund my STOLEN money. The whole basis of my dispute is UNAUTHORIZED FRAUDULENT payments ( 2 of them amounting to {$1900.00} which was my entire cashapp balance ) made by thief ( s ) who gained access to my cashapp by stealing my phone and making the fraudulent withdrawals emptying my entire cashapp account. Cashapp is trying to say those fraudulent charges were authorized and or made by me. Does Cashapp really think I would authorize myself or anyone else to empty my entire cash app account??!!? I filed a police report as well as contacted cash app support and filed a dispute the very moment I discovered the fraudulent charges merely an hour after my phone was stolen. I am now escalating tgis to report with CFPB as well as filing a formal complaint with the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TransferWise Ltd
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I booked my honeymoon at a villa/resort in XXXX in XX/XX/2022. I received a confirmation email form the resort, and I was told that I had to pay the resort through Wise.com, as my card was declined for the first charge. I did not notice that XXXX letter at the end of the email had been different and this was a phishing email. I proceeded to pay the phishing email through Wise.com on XXXX different occasions. This XXXX  was on XX/XX/2022 in the amount {$2700.00} for the booking. The XXXX was for a security deposit of {$1400.00} on XX/XX/2022. The XXXX was for monkeypox and covid testing for the amount of {$830.00} on XX/XX/2022. I found out that this was actually fraud when I landed in XXXX in later XXXX, went to the resort, and they explained that I had not yet paid. Luckily, I had the money, so I paid the resort and had a beautiful honeymoon. However, I was scammed and paid a total of {$5000.00} to a scammer in XXXX. I have email chains to prove what I went through, and I would be more than happy to forward these email chains on. When I tried to login in to Wise.com to report fraud, my account had been deactivated. When I tried to call to report the fraud, I was told that I would not be able to report the fraud unless I was able to provide my account number which I could not obtain due to my account be deactivated. When I submitted an appeal, Wise.com decided to keep my account closed. I recently reported the fraud to authorities at ReportFraud.ftc.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My lease account from Nissan started in XX/XX/XXXX. 
My car was involved in an accident in XX/XX/XXXX. My insurance paid the remainder to NMAC in full, a payment of {$15000.00} was made to NMACE in XX/XX/XXXX. 
NMAC still shows that my account has 4 late payments adding up to more than {$1000.00}. This is not correct, the car is completely paid off.

I called NMAC, they said they will fix it but they did not. I asked them to correct the information on my credit report, they asked me to submit a dispute and they will act accordingly. I submitted a dispute on XXXX. The dispute processing was completed and the account still shows the late payment. This brought my credit score from XXXX to XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a letter from a collection company fall Collection Information Bureau , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX. I recieved the letter on XX/XX/19 for a billl i was not aware of, because i already paid my hospital bill that for XXXX in full. The representative that i spoke with from XXXX XXXX XXXX , IXXXX goes by the name of XXXX, he said he didnt have an employee ID. He was really and extremely disrespectful put me on excessive hold without requests and not willing to negotiate or answer simple questions as little as did he purchase my debt. The actual worst representative ever spoken to. Really rude and actually hung up the phone in my face stating Ive been doing this for 30 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: EQUIFAX, INC.
State: PA
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:
XXXX is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
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: Public record information inaccurate

Complaint:
I have disputed over and over the public record information has on my credit file. I did not know I could view PACER myself and now I have. The information XXXX  and Equifax are reporting on my credit file for USBK Court XXXX Texas Docket # XXXX and USBK Court XXXX Texas Docket # XXXX is not mine and needs to be removed under the FCRA 623 ( a ). In PACER these bankruptcy cases show an address in XXXX that is not mine, and is not on my credit file because I do not and have not lived at the address listed on the bankruptcies mentioned above. In PACER the information for the above bankruptcies does not show a date of birth so how are these accounts being tied to my date of birth and there are only the last four digits of an SSN so how is this information be tied to me? The information in PACER for bankruptcy case # XXXX, XXXX do not have a full SSN, the address shows is not mine and there is no date of birth to confirm. How is is being determined this information is mine? How is this information being validated and proven accurate as belonging to me and on my credit file? Whomever is responding to these complaints is not doing their research, not reading my attachments and is giving me a waste basket response. THESE PUBLIC RECORD ACCOUNTS ARE NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I found errors on my credit report. I submitted a dispute on XXXX XXXX 2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner

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 2021-11-05
Company: JMD,LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
High Desert Creditors is listing that I owe XXXX from a medical debt that I have from taking my daughter to the doctor when we had medical insurance. When I call to verify the amount they say I owe {$2500.00} in which does not report on my credit. When I called today I was told that it is legal for them to charge 10 % interest on top of my debt and the interest gets charged by the year. 

I had medical insurance when this debt was created in which Ive already proved. The company will not remove this from my credit and keeps increasing the amount I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Southwest credit system are trying to collect debt from me that I do not owe. This account was opened XX/XX/XXXX and there is a past due of {$2500.00} as of XX/XX/XXXX. I'm sure that this is a result of identify theft. I been using XXXX for years now and i've been paying my bills on time so I don't understand why there is is so much debt on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: CA
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 XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions Accounts : XXXX XXXX XXXX {$4100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX {$340.00} Balance updated XX/XX/2022 XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$2500.00} Balance updated XX/XX/2022 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$4800.00} Balance updated XX/XX/2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$200.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$80.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$340.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$52.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$820.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX XXXX creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$350.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$120.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$56.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$160.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$75.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$200.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$75.00} Balance updated XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XX/XX/2018 I went through financial hardship ( Lost my job ) and my account had a balance of {$870.00} with a {$1200.00} credit limit. When called by my creditor ( Which i had 2 years of On time payments with ), I described my situation and explained that i was actively looking for another Job. That I needed some time to get employed and receive my first check. I actively answered and gave updates when I found my new job. That Id be able to pay and that I only needed one more month or less for a minimal payment with my first check. I was told I needed to pay at least 2 months or the account would be closed which I couldn't afford and unfortunately it did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company that is trying to contact an address that I do not live at, stating to pay debt that a different company ask for the money last month. I do not owe this debt nor am I aware of any of these charges, I successfully disputed it last month with my credit bureau due to fraud who ever used my information, Im not aware nor responsible and would greatly appreciate if information would stop being sold, as it is taking time from my everyday life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Block, Inc.
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Square deactivated my account the same day I recieved a deposit for XXXX. They are refusing to release the funds or send it back to the originating bank. They keep saying go to the app and refund it. Which I can't because they held all funds as if it was never deposited but I have proof from their app and the originating account bank statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
There are credit inquiries that i want removed Immediatrely.These accounts were never given my permissible purpose to furnish these accounts, furthermore they infringed upon my rights to privacy in pursuant to 15usc 1681 ( 4 ) these corporations have caused damage to me mentally and XXXX is said in pursuant to 15usc 1681 ( XXXX ) any transaction or experience should be excluded from my consumer report.THESE BANKS and lenders has also violated the billing error practice act in pursuant to 15usc 1666 they never gave me the right to opt out and are not reporting accurately i want these inquiries removed immediately as they are identity theft.I do not want my account closed i just want the inquiry deleted off my credit 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 2023-02-08
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: Public record information inaccurate

Complaint:
Transunion is reporting unverifiable information to the public which is damaging my character and well being and quality of life, I have been going back and forth fo years now for them to do their job correctly. I have an unauthorized inquiry XXXX XXXX XXXXXX/XX/2021 & Account XXXX XXXX XXXXXXXX that needs to be removed. I have attached all supporting documents. 
Please be advised, our records indicate XXXX XXXX contacted the XXXX Consumer Center directly via phone on XX/XX/2021 alleging the inaccurate reporting of bankruptcy records listed in his file. XXXX located the bankruptcy records he is questioning and initiated a dispute of the said records on his behalf. This reinvestigation was resolved on XX/XX/2021. During our reinvestigation, XXXX removed dismissed bankruptcy records case numbers XXXX, XXXX, XXXX, and XXXX from consumer reports prepared by XXXX XXXX XXXX XXXX XXXX. A resolution letter outlining these results along with an updated consumer report was mailed to XXXX XXXX 
XXXX directly for his review.

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