BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
Company: Block, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
Beginning on XX/XX/XXXX and ending on XX/XX/XXXX, I received a total of XXXX advertisements via a text message that were created by cash App and sent to me in conjunction between cash app and their customers as part of a referral program. Those advertisements promised credits to either the other customer, myself, or a combination of both parties. The most recent of those advertisement msgs was sent on XX/XX/XXXX is replicated below : " Hey! I've been using Cash App to send money and spend using the Cash Card. Try it using my code and youll get {$5.00}. XXXX XXXX XXXX XXXXXXXX '' During the set up of my Cash App account, I was not notified of any additional terms or conditions, nor were any additional terms to the referral credits conspicuously disclosed to me. 

After receiving my card and sending/receiving money, and using my card and software ( Trying it ), I entered into the CashApp software the most recent referral code, and received message stating that : " You've got {$5.00} waiting! '' However, the {$5.00} was never credited to my account. 
I then contacted customer service and requested to know what the specific reason or disqualifying event was which caused them to deny honoring the credit offered in their advertisement. 

The customer service reps refused to cite the specific reason why they were denying the credit. In addition, I requested to know when my account was created and they refused to obtain that information and provide that information to me. 
Attached is a transcript of the messages between me and customer service. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX $ XXXX = ' ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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:
My wife and I have been fighting {$9800.00} of fraudulent bank transfers from our XXXX XXXX Credit card which is backed by Bank of America for over a month now. It happened on XX/XX/XXXX and we caught the transfers 6 days later. That card had a {$0.00} balance on it for over 4 months and we only check it once in awhile to make sure there aren't any charges on it. The person who got into our account changed our spending alerts to a temporary email so we never received any alerts. There were 2 balance transfers, one to a XXXX XXXX XXXX for {$2000.00} and one to a XXXX for {$7000.00}. My wife and I do not own a XXXX card nor did we have an account set up with a XXXX XXXX XXXX that we have never heard of. After having the claim re-opened 3 times and no success we decided to make an appt with B of A with a relationship banker, she sent in our credit file that we pulled from XXXX showing that we did not have any open XXXX cards along with our police report. A few days later we get a letter stating that once again, claim is denied. B of A told us to get proof showing that we do not have accounts with XXXX and XXXX XXXX Bank, both of which we have called and were told that we need to have B of A claim a fraud alert before they would release any proof. I have just submitted a complaint to CFPB and later will be contacting a lawyer. PLEASE, stay away from B of A credit cards!

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 2023-11-11
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
am writing to dispute the reporting on my credit file regarding a closed charged-off account associated with Loan Account It has come to my attention that there are inaccuracies in the information being reported, which is in direct violation of established credit reporting regulations.

The discrepancies are as follows : 1. Reporting a Closed Charged-Off Account as Past Due : The account is inaccurately listed as past due, even though it has been closed and charged off. This misrepresentation is negatively impacting my credit profile and is not reflective of the accounts current status.

2. Discrepancies in Balances : The written-off amount is documented as {$3900.00}, whereas the reported past due amount stands at {$7800.00}. This inconsistency raises concerns about the accuracy of the information provided and is in violation of credit reporting standards. 

These discrepancies are affecting my creditworthiness and financial standing. I kindly request that you promptly investigate and rectify these inaccuracies to bring the reporting in line with the actual status of the account. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. Failure to address and correct these discrepancies within the required timeframe may compel me to take legal action to protect my rights.

I appreciate your prompt attention to this matter and request that you provide written confirmation of the resolution and the updated information submitted to the credit bureaus. 

Thank you for your cooperation in resolving this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: T.S. Holdings
State: PA
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:
I am not responsible for the debts below, as IQ Data International, failed to provide written contracts for the original creditors existence, agreements, contracts information with balances of {$970.00} Flex Deposit and {$1800.00} XXXX XXXX XXXX IQ Data previously Deleted from XXXX, XX/XX/2023 and transferred debt to XXXX, on XX/XX/20XXXX XXXX XXXX XXXX  for {$1800.00} then also reinserted Flex deposit {$970.00} to my credit profile from IQ Data International Agency has been removed reinserted multiple times, without prior authorization, and written notice to reinvestigate, per 15 U.S code : 1681i d

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ally Financial is showing a balance of XXXX. This was paid off years ago and the co signer of the auto lease is deceased. I would like this removed off my record. This was taken care of years ago.

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 2021-05-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: EQUIFAX, 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:
x 1 : ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: CarMax, Inc.
State: GA
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:
All of these hard inquiries are on my XXXX  report, which I've placed a fraud victim on my report so I'm unsure how these agencies were able to authorized a credit pull XXXX XXXX XXXX  XXXXXX/XX/2019 Hard inquiry ( never authorized ) XXXX XXXX XXXXXX/XX/2019 Hard Inquiry ( never authorized ) Carmax Auto FinancXX/XX/2019 Hard Inquiry ( never authorized ) XXXX XXXXXXXXXX/XX/2019 Hard Inquiry ( never authorized )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
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 ( FCRA ), Account Name : XXXX XXXX XXXX with the account number : XXXX has violated my rights The violation occurred as follows : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy The FCRA grants me the right to privacy regarding my credit information. It has come to my attention that the handling of my personal and credit information associated with my XXXX XXXX XXXX account has breached this right. I request that you review the privacy aspects related to this account. 

2. 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement As per the FCRA, a consumer reporting agency can not furnish account information without my written instructions. I have not provided any written instructions authorizing the furnishing of information regarding my XXXX XXXX XXXX account. Therefore, I urge you to investigate the source of this information and take appropriate action to rectify this violation. 

I kindly request that you promptly investigate this matter and take necessary measures to address the violation of my rights under the FCRA. I expect a thorough review of the information associated with my XXXX XXXX XXXX account and a written response outlining the actions taken to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: Freedom Mortgage Company
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
On XX/XX/XXXX we called the mortgage company and told them our house is for sale and the buyers will close on XX/XX/XXXX. We stated we had moved but our daughter still lives in the house. Today XX/XX/XXXX, a Contractor from Mortgage Consulting showed up at my house and when I asked her what she was taping to my door she said its a no trespassing vacant sign abandonment notice and that shes sent out when a house is in foreclosure. We have a VA loan with Freedom Mortgage and we missed XXXX and are late for XXXX but we are not 120 days late and not received any type of notice other than a letter to contact them about making a payment ( which we did XX/XX/XXXX, day before they sent someone to post our house is vacant/abandoned ). I called Freedom Mortgage and the guy apologized and said theres no reason to do this for being behind 2 payments ( not even 60 days ) and would note our account. How is freedom mortgage legally able to do this and why are they trying to say its abandoned when we reached out to them and clearly told them what was going on? I have the whole conversation with the contractor on video, please keep this in mind in your response.

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 2020-07-31
Company: EQUIFAX, INC.
State: CO
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:
Opening this complaint in response to XXXX XXXX XXXX not doing anything with previous complaint XXXX. XXXX response to previous complaint is that it thinks it is correct to list the date of 1st delinquency as the date a tenant presumably moved out of an apartment. This is grossly incorrect. The date of 1st delinquency should be the date the tenant was delinquent with the client XXXX is collecting for. Clearly XXXX XXXX XXXX filed an Eviction in 2017 and received a Writ Of Resitution in 2017 XXXX XX/XX/2017 ). XXXX XXXX XXXX can contact the XXXX County Courthouse and pull registry of action # XXXX to verify this information or contact XXXX XXXX XXXX. Listing an incorrect date of 1st delinquency is a clear FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: FL
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:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect, The personal data reporting is inaccurate. 

XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After a series of unfortunate events ( XXXX and put me out of work, separated from my ex wife, property damaged by flooding not covered by insurance, loss of job ) that all occurred within 1 year, I was no longer able to afford the mortgage payments on my house and I went into foreclosure. After securing a well paying job two years later, I applied for a loan modification and was denied. When I asked Ocwen about what options were available to me, they told me that I could apply for a deed in lieu of foreclosure or do a short sale on the property. They told me that then deed in lieu of foreclosure option takes around 90 business days so I chose to pursue that option. I filled out the application in XXXX of XXXX. In XXXX of XXXX I signed an agreement to the deed in lieu of foreclosure and as of today, XXXX XXXX, XXXX the deed in lieu is still incomplete. Every time I call them for an update, they give me excuses as to why the deed in lieu is n't complete. At first they told me that it was hung up in legal. They used that excuse for several months. Then they said that there was a problem with the title. Then they were telling me that the VA was making it take forever. Now they 're saying that there is a lien from XXXX XXXX. In XXXX of XXXX, I became fed up with their excuses and decided to conduct a short sale so that I could be done with the house finally. I was notified by a real estate agent that I could n't sell the property because I did n't own it as of XXXX XXXX. Apparently they took possession of the property in XXXX XXXX and nobody that I spoke with at Ocwen knew it. If Ocwen would have been honest with me in XXXX of XXXX and told me how long it takes to complete a deed in lieu of foreclosure, I would have just sold the property right then.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26
Company: Affirm Holdings, Inc
State: IL
Product: Credit reporting 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 sent a dispute package to the credit bureau where the account is listed and Affirm has refused to remove the account from my report. I sent multiple pieces of evidence in support that the account was not created by me and Affirm refuses to take action. Additionally, I have called the Affirm " customer support '' team multiple times and they are incredibly unhelpful. I would not consider them " support '' as they have not supported me whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
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:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Chime Financial Inc
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Re : Account Number : XXXX About a month ago, I wrote Chime to dispute fraudulent charges on my account in the amount of {$110.00}. I did not make or authorize these charges and apparently have been the victim of identity theft. I am requested that : The charge be removed. 

Any finance and/or other charges related to the fraudulent charges be credited to my account. 

By this point, they have denied to give me a provisional credit nor a refund since the inception of my first dispute.

These requests were made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 

I had enclosed copies of from my Cashapp and XXXX XXXX XXXX XXXX accounts that had been barraged with attempted fraudulent transactions from XXXX ( however, unlike Chime, XXXX detected the fraudulent activity immediately and blocked these repetitive charges & alerted me ) as evidence that these charges are fraudulent. Please investigate this matter and correct the billing error as soon as possible. 

Regards, XXXX XXXX XXXX Attached are evidentiary evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
On XXXX XXXX, XXXX I initiated {$100.00} to XXXX but XXXX deducted {$1000.00} and sent it to my recipient in XXXX, I initiated a dispute against XXXX but the recipient returned the balance of the funds to me. 
To my dismay, Bank of America charged me twice for these transactions making total money debited on my account to be {$2000.00} which I intend to file claims on {$1000.00} on it but I was unable to do so because I was told until it was processed and posted. Some of the payments I made was revised because of lack of enough funds as a result of this transactions. 
I have called severally but no positive solution to resolved this issues, there is no Bank of America branch in Nebraska in order to go there for resolution and my landlord gave me ultimatum till XXXX to resolve my issue and pay the deposit of new house I want to rent. 
Please as a matter of urgency want you to assist to resolve it today in order to pay my rent because XXXX told me that they did not collected {$2000.00}, they only received {$1000.00} To resolve the problem, I would appreciate the {$1000.00} charged refunded back to my account. I want the Bank of American post this transactions so I can be able to dispute it. 
I enclosed my statement of Account, on XX/XX/2022 and XX/XX/2022 where {$1000.00} was charged on each day respectively, the letter from XXXX that they only received {$1000.00} and the letter from my landlord referring to reverse of {$600.00} pay for my house rent because of insufficient funds as a result of this. 
I have contacted Bank of America XXXXorporate Office, no response. 
Please contact me at the above address at XXXX Sincerely, 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 monetary relief
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: NJ
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 am intrested in disputing my credit report with Equifax checking my file ive noticed alot of invalid information that is hindering my file. all data should be 100 % accurate on each file and it is currently not. update all information requested.

Company response to consumer: Closed with explanation