BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have been contacting this company for a while now, trying to let them know about the situation I have been in. the previous letter was sent on XXXX. I have accounts on my report that I don't recognize but they still haven't put a block or removed the items that are why this time I am seeking help from the CFPB as my first step in taking this matter seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: W&A Intermediate Co., LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am submitting new known contact information about the creditor. 
I was poor at the time of service. I was too ill at the time of service to consent to care not covered by my insurance. I was sick and not able to apply for XXXX XXXX. XXXX XXXX of the XXXX surprised me with charges. Under the No Surprises Act 2022 such bill is now illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Affirm Holdings, 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:
ON XX/XX/2023, I XXXX XXXX, FILED A COMPLAINT AGAINST " AFFIRM '' VIA THE CFPB PORTAL BECAUSE THEY WERE INACCURATELY REPORTING DEBTS ON MY CREDIT REPORT. FIRST AND FOREMOST IN MY INITIAL COMPLAINT I STATED THAT THE DEBTS WERE CREATED FRAUDULENTLY. I WAS A VICTIM OF AGGRESSIVE IDENTITY THEFT. SECONDLY, THEY WEREN'T REPORTING ACCURATELY AND RESULTED IN " DOUBLE JEOPARDY ''. AFFIRM FAILED TO REPORT TO XXXX THAT THE DEBT WAS SOLD TO " XXXX XXXX XXXX ''. THERE IS A SECTION ON THE CREDIT REPORT FOR THIS. INSTEAD OF EITHER REMOVING ALL OF THEIR TRADELINE 'S FROM MY REPORT OR CHANGING THE BALANCES OWED TO " 0 ''/ SOLD TO ANOTHER COMPANY/LISTING THE COMPANY ; BOTH COMPANIES " XXXX '' AND " XXXX XXXX XXXX XXXX REPORTED THE DEBTS ALLEGEDLY OWED AT THE SAME TIME HURTING MY CREDIT EVEN MORE THAN PREVIOUSLY. I, ALSO TRIED RESOLVING THIS ISSUE OVER THE PHONE AND VIA EMAIL WITH AFFIRM AND TO NO AVAIL THERE ARE STILL TWO OF THEIR TRADELINES INACCURATELY REPORTING TO MY XXXX CREDIT REPORT EVEN AFTER THEY AGREED TO REMOVE THEM. NOW AS OF XX/XX/2023 XXXXAFFIRM IS REPORTING Account number XXXX WITH A BALANCE OF {$390.00} AND Account number XXXX WITH A BALANCE OF {$1300.00} AND THE STATUS REPORTS AS " Collection account/Never late. '' {$1300.00} past due as of XX/XX/2023. THAT ALONE DOESN'T EVEN MAKE SENSE! AFFIRM HAS HAD MANY ATTEMPTS TO FIX SEVERAL ISSUES IN THIS SITUATION AND HAS FAILED TO DO SO. 1. THE ACCOUNTS ARE FRAUDULENT 2. THE REPORTING IS INACCURATE IE : THE STATUS/BALANCE OF THESE ACCOUNTS DO NOT REFLECT THAT THE DEBTS ARE NO LONGER OWED BY AFFIRM. 3. AFFIRM PREVIOUSLY LIED TO THE CFPB STATING THAT ALL ACCOUNTS WOULD BE REMOVED AND THEY WEREN'T. I PLAN TO SEEK LEGAL REMEDY AGAINST AFFIRM IS THIS ISSUE IS NOT RESOLVED IN A TIMELY MANNER. I HAVE ATTACHED A COPY OF MY DRIVERS LICENSE, MY FTC AFFIDAVIT, AND A RECENT COPY OF MY XXXX CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Every single cashapp transaction ended up being for a scam. Not only did they nor reimburse me, they wouldn't even give info on the people who did it, which I need for police report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-22
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
This is the email exchange which happened this evening ; XXXX, I responded to your message and copied it to the list as described. Here is a copy of your message, as well as screenshots of your email to me. I am also filing a formal complaint with the Consumer Finance Protection Bureau, along with a copy of this exchange and screenshots of my payments you are emailing to me. 

XXXX, Then I will disconnect my Social Security XXXX, and seek legal action, after filing a formal complaint and forwarding the details of my conversation with support. I asked for my account history and transactions, both through your app and by mail, requested a replacement card, and was given none of these Are you XXXX? You think you can keep my XXXX income and not let me access my own account after my phone was stolen? This is tantamount to fraud. 

I will seek legal aid and forward this to the proper authorities. The Consumer Finance Protection Bureau, The Justice Department, FBI and others listed in the cc : list below. Your app is a scam. I worked in investment banking most of my career at XXXX XXXX XXXX. 

cc : FBI and Justice Department, XXXX, XXXX XXXX, XXXX XXXX, XXXX, myself, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, Legal Aid XXXX Sent from my XXXX On XX/XX/2023, at XXXX XXXX, Cash Support XXXX wrote : XXXX XXXX, My name is XXXX. I'm a manager with Cash App Support. Thank you for your patience while I reviewed your case. 

I took a look at your case and can see that you have been working with us to gain access to your old account. I have reached out to a specialist to review your account and case. They have informed me that based on the information you provided, your request to access this account was not approved. 

I have been informed by our specialist that for security reasons, we are not able to grant access to the account or funds. They have not disclosed any additional details to me about this, and I can not override this decision. 



Thanks for your understanding. I hope you have a great rest of your day. 

Best Wishes, XXXX Cash App Support Manager ref : XXXX : ref ref : XXXX : ref Get XXXX for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: NY
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 reviewed my credit reports and discovered 6 Fraudelunt accounts, on my credit reportsXXXX 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 2018-08-23
Company: Williston Financial Group
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXXan escrow transaction was opened to buy my house, this transaction was closed on XX/XX/XXXX During the process, the preliminary title report was never explained to me, nor was I told about any payment I should make that was not included in my Closing Disclosure, and WFG people did not say anything regarding two Hero Program liens that the previous owner had.

I summited a claim to WFG National Title Company because during the process they knew there were two ( HERO PROGRAM LIENS ) contractual assessments recorded as liens against the property that are collected by the County Tax Collector and the escrow did not advise my lender ( XXXX ) to adjust the monthly impound payments to cover the projected increased in the property tax bill, also if my lender ( XXXX ) had been notified it would have requested the payoff at the close of the transaction.

WFG denied my claim because they said it was mentioned in the preliminary report, I am not a professional, WFG people are the professionals, so they have the responsibility to explain if there is some items that needed to be cleared before closing escrow, also by just reading the report it is not clear, it is ambiguous, now that I have the problem, I went in person to obtain a copy of the recorded liens, the instruments consists of twelve pages, not just two paragraphs as WFG mentioned.

WFG people never provided me with the complete instruments, there was no way for me to understand the magnitude of these assessments without the complete instruments. According to the documents that I obtained this year, I have to pay for 16 years {$1500.00} two times a year and for the second one {$1100.00} two times a year for 7 years, a total of {$5200.00} a year, at the end of the years the amount is about {$40000.00}, this information was never on the preliminary report, and neither was it provided to me. These amounts should have been explained to me before to continue with the purchase transaction, in order to decide to buy it or not. Obviously with the monthly payment of these assessments I wouldnt be approved for the loan, and I would have had the opportunity to find another property.

It is unacceptable that WFG National Title Company covered these items in the policy of the title insurance, but it covers just the two paragraphs, but not the 12 pages that were filed as instruments in XX/XX/XXXX and once again those were never provided to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-06-23
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX placed for gas powered motorbike with Company XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX on XX/XX/23 for {$590.00}. Company did not deliver item, does not answer calls email or text and despute filed with Chime bank was ignored. Company has a history on consumer review forums of arbitrarily keeping payments without sending items as was brought to the bank 's attention to no avail. Request item be delivered with partial refund or full refund plus lost interest be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Colony Brands, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Please see the attached documents to understand what had happened. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-15
Company: JPMORGAN CHASE & CO.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Someone or group keep erase my email forwarding call ..they made attempts on my life.. I'm XXXX haven't received a dime on trust fund ..I filed fraud the government seized it refunded back now some group is doing to the same .the won't let mr on social media because there my portals..need help back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2023-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to address a critical matter concerning incorrect information that is being reported on my consumer credit report by Capital One. It has come to my attention that the Date Opened is inaccurately reported as XX/XX/2017 for XXXX and XX/XX/2017 for XXXX and XXXX. This incorrect reporting has persisted for several years and is causing severe damage to my reputation. As per applicable laws, I demand the immediate removal of this incorrect information from my consumer report. 
The inaccurate reporting of the Date Opened on my consumer credit report reflects negatively on my creditworthiness and financial history. This misinformation has been reporting inaccurately for a significant duration, leading to potential denials on credit applications and other financial opportunities. The presence of this incorrect information on my consumer report is causing harm to my reputation and impeding my ability to secure credit on fair and accurate terms. 
In accordance with the Fair Credit Reporting Act ( FCRA ), it is my right to request the removal of inaccurate information from my consumer report. I kindly request that you promptly investigate this matter and take appropriate action to rectify the incorrect reporting of the Date Opened. I expect the immediate removal of this inaccurate information from my consumer report to prevent any further harm to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: ERC
State: TX
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:
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 Bureaus are reporting inaccurate information on ERC ( Original Creditor : 1XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/2022, I received a notification from XXXX XXXX about a hard inquiry made on my XXXX and XXXX credit reports. I immediately called Capital One to make a complaint, but I shuffled around to multiple departments and ultimately told I had to write a letter to them ( Capital One ) about the fraudulent credit card application. I then called XXXX and XXXX and I was told a different process ; they said I had to write a letter to them, along with a letter of " deletion '' from the creditor. However, when I called Capital One back to inform them of this information, they insisted that they do not provide such letters to people. I called Capital One back again and I was told by a representative in the fraud department that they'd report the fraudulent inquiry back to the credit bureaus and that I would have to wait 30-60 business days for it to be removed. I tried filing three fraudulent disputes with XXXX : one on XX/XX/XXXX ; XX/XX/XXXX, and XXXX. All three were determined to be " verified as accurate, '' which means it was done by me, and that's a completely false finding. My XXXX XXXX has dropped significantly due to this fraud. I have been unable to receive any assistance from Capital One ; they won't even tell me what's on the application per their " policy. '' This credit inquiry is completely fraudulent! It should be removed immediately if Capital One reported it promptly to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
This is happening every other month. I have CREDIT FREEZE on my account which doesnt allow anubody pull inquireys off my transunion or XXXX reports. Well he we go again and again. They should be regulated by the government because their customer serive is in XXXX were our laws dont exist and tgere employess are so rude and ignorant. All there taught id to say no.

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 2023-04-07
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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: Their investigation did not fix an error on your report

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation