BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
Company: WELLS FARGO & COMPANY
State: CA
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:
We called XXXX XXXX XXXX  on XX/XX/ for help. They promised they would show up in 30 minutes and insisted on prepayment of {$240.00}. Unbeknownst to us, they switched us to a know scam company XXXX XXXX XXXX who charged our card. Over the next 2 hours we called repeatedly and were told each time " 30 minutes '', but no one showed. Since I was stranded on the freeway late at night and a danger to others and me, the XXXX stopped and told me I had to have the car removed. He said he'd never heard of our Tow company and had the XXXX dispatch a tow truck, so we canceled our order. The XXXX which arrived in 21 minutes, changed the tire and inflated my spare. As they finished, a private vehicle with a XXXX XXXX decal showed up. The man ( inebriated ) said his buddy at XXXX called him to say he couldn't do the service and asked this man to show up instead ( just a private individual not employed by any tow company ). We have call and text logs, photos and testimonials of other customers similarly scammed. We received no service from XXXX, were put in danger by their inaction, and canceled the service before the person they passed us off on showed up. Wells Fargo violated their policies for handling disputes by failing to offer us an opportunity to respond to the merchants response or to provide any evidence to contradict. They did not inform us of any deadline to take further action ; later they relied on this secret deadline to deny further action. We simply got a letter summarily denying our claim.

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 2023-07-11
Company: Experian Information Solutions Inc.
State: VA
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:
Since The company states they didnt receive an email I have attached it. 


Also here is the email they claimed I never sent. 

AccountNumber=XXXX AccountNumber=XXXX This company I have no knowledge of is reporting and brought my PII illegally. I have no knowledge of this debt or company. This company 15 U.S. Code 6821 - Privacy protection for customer information of financial institutions.

15 U.S. Code 6801 - Protection of nonpublic personal information.

15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1681b - Permissible purposes of consumer reports For each violation its 1,000 in court. Plus more in damages. Please stop reporting of this fraud debt. Or I will pursue in federal court for violations, personal injuries, defamation. Please cease and desist this tradeline from my consumer report.

AccountNumber=XXXX Delete tradeline now due to fraud or provide me with a point of contact of your legal team.

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 2022-07-26
Company: Block, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Cashapp a subsidiary of Square Inc sent me XXXX unsolicited Cashapp debit cards around XX/XX/2022. This is the second time as Square also sent me an unsolicited Square debit card in XXXX. I had complained to Square and looks like no concrete action was taken to protect me from fraud actors who applied fraudulently for cards using my unauthorized personal information. Cashapp has no phone number to reach them nor an online form or customer service email and Square has blocked my number from reaching customer service. This is a violation of consumer rights. I am extremely worried that some fraud is being committed using my personal details and Cashapp is abetting this by not allowing me the ability to call them and register a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: RoundPoint Mortgage Servicing LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced in about XXXX or XX/XX/2022 with a company called XXXX XXXX. The refinance was completed and a different company, Roundpoint mortgage bought my loan from them. Round point mortgage says they only accept payments between the XXXX and XXXX of each month or the payments go to principle instead of my normal monthly payment. Example : I can only pay for the month of XXXX between XX/XX/XXXX and XX/XX/XXXX even though I should be able to pay anywhere between XX/XX/XXXX and XX/XX/XXXX without getting a late charge. They call me every month harassing me about I didnt pay my bill but when I list the dates I sent payments ( between the XXXX and XXXX ) they magically find that the second payment was applied to principle. They tell me they will reverse it and to wait 4-5 days to process. I should not have to go through this every month for the next 30 years and feel it places an undue burden on the consumer especially if I never agreed to their 15 day only terms. My agreement was with XXXX XXXX to pay from the XXXX to the XXXX for the upcoming month like every other normal person. It doesnt seem fair that a company can buy your loan then force you into whatever terms they want without you consenting. Please help, I cant afford to refinance again to get away from them and they might buy that loan too! 

Hoping and praying, 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 2021-05-12
Company: EQUIFAX, INC.
State: SC
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:
Good Day, This is my second time to report all three credit bureau 's .I have disputed these items over many times already and they still remain. so I'm reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
Ive been a victim of identity theft someone used my information to obtain credit, and applied for several creditcards and loans that I havent authorize them to check my credit here are the inquires that are fraudulent I didnt authorize them to check my credit Hard inquiries XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX CXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX NA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/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 2022-07-26
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:
I check my credit report and noticed that there were inquiries that I never consented to or did I ever benefit from them in any shape or form. I was told my information was leaked in a data breach with XXXX and XXXX fifth recently as well. This keeps occurring with random inquiries popping on my 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 2019-08-26
Company: FIDELITY CAPITAL HOLDINGS, INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a negative and false report of debt in my name and on my credit. Fidelity Creditor Service is claiming that I owe XXXX XXXX XXXX ( which is referred to as XXXX XXXX XXXX XXXX in court documents ). This is in regards to an apartment that was infested with toxic mold. A judge at XXXX XXXX Courthouse ruled in my favor On XX/XX/2019. Please see attached documents. 
A month later, I received a letter from Fidelity Creditor Service that I owe XXXX XXXX XXXX and to contact them if the debt wasn't accurate which I did in a signed letter on XX/XX/2019. I recieved no other notification from Fidelity Creditor Service regarding this. No follow up. It wasn't until I checked my updated credit score in XXXX that I saw they inaccurately left the debt on my record. I called the company on XX/XX/XXXX to ask for it to be removed. At first they said it couldn't be removed due to a law ( when I asked what law, he couldn't tell me ) and then they indicated there was a possibility it could. I felt as though they were playing games with me. 
I sent them a package via certified mail with all of the court documents and evidence. I am following up with this report. I notified them in the phone conversation that I would be making this report. 

This false and negative report of debt on my credit has caused my credit score to be substantially lowered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Disputed account with all XXXX credit bureau and have not received any type of verification stating that I'm the owner of such account in question, also this negative unverifiable account is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
i paid bills with checking account i sent 2 checks out XXXX XXXX they did not cash checks till XX/XX/XXXX ok they cashed them but said there was no money in account they lie .they have said ach payments i make can take over 15 days there are bills they have never paid but they sure as XXXX have taken money out.they charged me ach fees and blamed XXXX  XXXX who dont charge fees when used to buy from apple they have ruined my credit oh and about XXXX XXXX the teller laughed at me when i said your a liar and i proved it

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 2023-09-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, This is in regards to XXXX XXXX for an account for an auto loan. The account has since then been paid in full. After careful review, the account holder appears to be reporting an inaccuracy in payment history for XX/XX/2017. The payment was paid in full for the entire life of the loan. We called in to address the issue, the person we spoke with claimed to have the data and was happy to send it via mail but never sent anything to us. We later called back 6 weeks in XXXX and XXXX. The person on the phone told us since the account is closed, there is nothing they can do and they're unable to update the payment history. I asked to speak to someone else and or a XXXX, I was then advised a manager would personally call me back. No one ever contacted me. I believe this information to be inaccurate and is affecting my credit score. Please update the payment history to all 100 % payment history showing all on time payments. The account has since then been closed and has been paid in full. There is no reason to show a late payment any longer.

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 2023-01-09
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX  cancellation of debt of XXXX off the state of XXXX XXXX XXXX I'm the administrator of the state XXXX XXXX XXXX then turn around and force me into another loan modification after the cancellation of debt the loan modification did not include any of my payments or the cancellation that debt off the estate of XXXX XXXX they sold it to a new mortgage company called XXXX XXXX a blank loan modification paper with no papers or anything no administrative papers no surrogate papers no payments and no counseling Nation today of 1099 forms that they sent me and I asked the new mortgage company XXXX XXXX to straighten out the loan because it was arrested era on the loan modification before they sold it to selene Finance all the paperwork to straighten it out they never straightened it out they just carried the payments forward forward late charges then I became taxes in cuz my XXXX XXXX veteran they still counting the taxes and the payment and won't straighten the loan out but they trying to foreclose on my house and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I contacted the bureaus in regards to my credit score dropping significantly and the amount of hard inquiries that were on my reports. I have contacted the bureaus about my concerns and I have a number of hard inquires on my reports that I did not authorize and they will not remove them from my reports which is hindering my scores. I also contacted them regarding my score dropping 90 points when there were no changes in my file. I would like this resolved and for the hard inquires to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

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 2023-07-18
Company: GOLDMAN SACHS BANK USA
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a credit limit of XXXX and XXXX balance right now. On XX/XX/2023 I decided to upgrade my XXXX laptop and I made a purchase through apple.com financing monthly payment option. Everything went through. I decided I wanted to upgrade the specs even more, so I cancelled that order, and tried to place another one. 

My cancellation went through, but the payment for placing a new order got denied. I kept getting this error. 

" Thank you for your interest in Apple Card Monthly Installments. 

Unfortunately, your payment was not approved at this time. 

Please go to the XXXX app to manage your Apple Card account or chat with an Apple Card Specialist. 

You can also continue your purchase by selecting a different payment method '' I didn't get a fraudulent prompt or call like I normally would. So I called Goldman Sachs support and used their text services. They said it got flagged for fraud, so they verified my identity, released it and said I can make the purchase. So I try to make the purchase again. 

Same cycle, this time I had to verify with my driver license and change my XXXX XXXX XXXX. Then same cycle again. I then call support and she says my account is completely clear, review is over. I make the purchase with her on the phone. She says it flagged it again, and now my account is under review again. It's become a vicious cycle. Even the support rep was confused and apologetic that she didn't know what was going on. I was just in a cycle of, make purchase, get denied, account under review. 

Then when an account is under review, a support agent can't tell you anything or or do anything else. Instead they just say you'll have to wait the 5-7 days for someone to call. No one ever calls. Even then, the same issue keeps happening. I can not use my card. 

At this time my account is restricted and frozen again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-07-30
Company: Experian Information Solutions Inc.
State: NY
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 disputed my payment history with XXXX XXXX XXXX since they incorrectly reported two payments as being 30 days late. After Experian refused to correct the payment history, I reached out to XXXX and they stated that they did not show any history of late payments in their records, Experian, however, refuses to fix the payment history on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation