BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: Block, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Cash app is not disputing a charge of {$200.00} dollars from freeway insurance that was fraudulent I have the California department of insurance going after freeway insurance for ripping me off the case number is XXXX, basically I was charged XXXX dollars for a policy that was canceled unbeknownst to me I wasnt told the day I called to pay the money it wasnt till the next day when I callled again that I was told it was canceled and that I would I have to pay another XXXX dollars for a new policy and when I asked to talk to the management I was hung up on or forwarded to a survey and could XXXX get anybody to talk to me cash app is denying the dispute XXXX dollars is a lot of mo XXXX for me right now and now I cant afford to get my truck registered so I can drive to work this is t right what freeway insurance did and cash app is allowing g it happen, and I have no documents just screen shots from cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, 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 sent a letter on  November 03, 2022, to remove items that are UNKNOWN  to me. I came across this law today and according to the Per FCRA  605B (15 U.S.C.  1681c-2) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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  Balance: $0.00; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these accounts XXXXXXXX XXXX XXXXXXXX XXXX : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX {$31000.00} ; XXXX XXXX XXXX Balance : {$27000.00} ; XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
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: Account status incorrect

Complaint:
I am writing to file a complaint against Equifax, XXXX XXXX XXXX XXXX. On XX/XX/XXXX I filed dispute letters against XXXX, who inaccurately reported me being 30 days late on my credit card account on XX/XX/XXXX. When I contacted them back in early XXXX, they wrote me back via email and assured me that the item would be removed within 60 days. This did not happen. So, I contacted them again in early XXXX & followed that up with a complaint to each bureau on XX/XX/XXXX. However, it's been 30 days and I have not heard back from any agency. In addition, XXXX not only refused to remove the inaccurate information, they doubled down and now report the same inaccuracy XXXX times now! 

Secondly, I have an additional complaint with XXXX. They are reporting me as being 30 days late on my credit card back on XX/XX/XXXX. Again, I also contacted them back in early XXXX and obtained a written letter stating that the item would be removed. And again no action has been taken. So, once again, I followed up with a complaint to each bureau on XX/XX/XXXX. However, it's been 30 days and I have not heard back from any agency. 

My complaint is that based on their own policies, if after 30 days these complaints have not been verified, these inaccuracies must be removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: WELLS FARGO & COMPANY
State: IL
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information

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 2022-06-20
Company: EQUIFAX, INC.
State: VA
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:
XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anyone. '' The data furnisher XXXX XXXX can not verify the bankruptcy either. So if thats the case How did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I, XXXX XXXX XXXX, a XXXX  XXXX, command the Department of EducationXXXXAidvantage with the account number XXXX to discharge their debt immediately. I am XXXX  and the federal Fair Credit Reporting Act ( FCRA ) promotes the equity, XXXX, and fairness in order for the Department of EducationXXXXAidvantages debt to be free from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE 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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2021-07-26
Company: Coinbase, Inc.
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 started trading one year ago and putting all my money in a crypt wallet named Coinbase. Everything was okay until one day my account was restrained or blocked. I only can see my savings but I can't buy more, transfer or sell. 5 months ago this happened and I tried 20 times to contact and ask for help and they always answer the same email and telling that muy problem is solved. they don't solve anything and when you answer the same email telling then that they didn't, they tell you to make a new request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-04-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Want to file a CFPB complaint against WellsFargo for misrepresenting my mortgage account and mortgage escrow account for forcing me to maintain a escrow account dating back to XX/XX/XXXX when they bought my mortgage from XXXX XXXX XXXX around XXXX of XXXX and I received a letter from XXXX XXXX XXXXXXXX XXXX rating me XXXX percent XXXX making my mortgage tax exempt for property taxes then I reached out to WellsFargo around XXXX of XXXX and asked can the escrow account could be removed if I paid the homeowners insurance up front and I was also property tax exempt from XXXX XXXX XXXXXXXX XXXX, but at the time WellsFargo had me in system as paying property taxes when I was supposed to be taxed exempt and I would like WellsFargo to be audit all the way back to XX/XX/XXXX for my escrow account refund of misrepresenting my mortgage and escrow 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 explanation
Consumer complaint received 2022-06-20
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I received an ach transfer with my business name instead of my full name I tried to disclose this to the bank and find a resolution and they would not comply I asked if they can just close my account and send me a check they wont tell me what I can do or how to resolve this issue they have my account locked

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX Account # XXXX, XXXX 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 written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
See attached docs detailing the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. At this point I intend to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Rent Recovery Solutions
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was officially notified on XX/XX/XXXX by a representative from Rent Recovery Solutions LLC, that my previous Landlord is attempting to collect a debt for rent owed for the months of XXXX, XXXX and XX/XX/XXXX as well as damage and utility fees. These statements from XXXX XXXX XXXX ( XXXX, Virginia ) are false. XXXX XXXX ( whose name is also on the lease ) and I moved out of the apartment XX/XX/XXXX. The office at XXXX XXXX told me on the phone two weeks prior to moving out that the apartment was rented and a new lease was signed for that unit. I explained this to the debt collection representative and was told that I can dispute the debt and would need to send in supporting documents in order to put the account on a hold. I was also told that the debt would be subject to credit reporting on XX/XX/XXXX. I sent the supporting documents to them in the mail to the address provided by the representative later that same day ( XX/XX/XXXX ). The address provided was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. My dispute documents consist of a copy of the lease agreement, a copy of a dispute email I sent to XXXX XXXX XXXX  concerning the debt, a copy of the statement I had received in the mail from XXXX XXXX and also a letter that explains my argument for the debt. I had tracking on the package sent out by USPS. My dispute documents were delivered to the agency on Monday XX/XX/XXXX at XXXX XXXX. I called the rep back to see if they had received them but was told " No, it could take a couple of days to get into our system. '' I continued to call multiple times until finally on XX/XX/XXXX after being told they still were not uploaded into their system, I sent a second copy of dispute documents to them. That second set of documents arrived to the agency on XX/XX/XXXX at XXXX XXXX according to USPS tracking. I called XX/XX/XXXX to express my concerns and figure out why my documents were not uploaded after sending them a second set. I was also informed the department that handles these documents is located in the same building but yet they have no way of contacting them to figure out what the hold up is. The last thing I want is for this to hurt my credit score. I feel like they have had plenty of time to submit my documents and put my account on hold from credit reporting so this whole matter can be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: NV
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:
This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$810.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, NV XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 2019-11-25
Company: FC HoldCo LLC
State: NC
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 XXXX Ss # XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic. 
The inquiry in question was apparently made by Flagship Credit AcceptanceXXXX XXXX  XXXX XXXX, TX XXXX I contacted Flagship Credit AcceptanceXXXX XXXX XXXX, TX XXXX and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,

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 2022-12-22
Company: Avant Holding Company, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received an offer to apply for a credit card with Avant through XXXX XXXX, an approval guarantee was offered in amount of {$50.00} by XXXX XXXX, application denied. Avant claims reason for denial is due to past account which was charged off, however, they have not sent me notice of decline which XXXX XXXX needs to process their guarantee.

Company response to consumer: Closed with explanation