BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: CT
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:
Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security XXXX. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result ofyour violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you failor refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which aregreater than {$1000.00}. 

Send payment immediately via Certified Funds to : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Attached are copies of my state ID. 

Warm Regards, XXXX VIRGINIA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed. 
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 2023-07-07
Company: Block, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
In XX/XX/2023 there was 'suspicious activity ' in my Square account. I contacted Square and they stated they 'closed " the savings account that was opened by a hacker and I reset my passwords. 

Since XX/XX/2023 Square will not transfer my {$640.00} balance of sales from credit card transactions. I used the Square reader to swipe credit cards for services. The transactions are attached and detailed as well as my bank statement that shows the last deposit from Square was on XX/XX/2023. The following is a list if missing transfers to my bank account : XXXX XXXX {$110.00}, XXXX XXXX {$95.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$45.00}, XX/XX/XXXX {$50.00}, XX/XX/XXXX {$90.00}, XX/XX/XXXX {$95.00}, XX/XX/XXXX {$60.00}. 

Every time I call Square I get a different excuse why the funds will not transfer. Most recently they tell me I have to link a bank account to the Savings Account that I did not open or authorize. I argued with them regarding this, but if it meant I can get my money, I went ahead and tried to link an account and keep getting an error message that I can not link a bank account to this Square Savings. Therefore, it is a catch 22, I can not get my funds until I link an account to the savings ( that I did not open ) and I can not link an account to the savings. 

Meanwhile I have been on the phone, emailed a complaint and my balance still has not transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
For more than a year, I am paying my mortgage to Mr. Cooper ( Former XXXX XXXX XXXX ) on time before the 15 of each month, that is the time that I have before getting late fees. I make electronic payments thru XXXX XXXX XXXX online services ( yearly payment statement attached ). On XXXX, I received a statement stating that I did n't pay part of my mortgage and Mr Cooper charged me late fees and the money that I supposedly did n't pay. I made a 3 way call between Nationstar and XXXX XXXX  XXXX. My bank rep confirmed that full amount payment was made electronically on time on XXXX/XXXX/XXXX ( money was withdraw from my account ). Nationstar admitted their mistake and returned late fees. On XXXX XXXX, this situation happened again. I spent an hour taking with Mr Cooper rep that did n't believe me and they could n't understand what electronic payment means, stating that Maybe I was using mail service to do it. A XXXX XXXX XXXX confirmed that full payment was made on time the same way, electronically, same address and account number. The problem was solve after that. 
Now I received a default letter stating that I did n't pay XXXX Mortgage. I contacted XXXX XXXX XXXX that proved that payment was made on time on XXXX/XXXX/XXXX ( All info was verified by Mr cooper rep ). I still being harassed by Mr Cooper, sending letter of " my default ''. I do n't know what is happening with Nationstar ( Mr Cooper ) that keep not registering my payments. This situation is causing me stress and anxiety. I pay on time and I do n't know what to do at this point. Attached you can find my online electronic payments and a letter from my Bank proving that Mr. Cooper received the money on time. This is the 3rd time and I do n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
Coinbase advertises the purchase of XXXX, a cryptocurrency that operates on a blockchain called XXXX. However, when you purchase XXXX on XXXX, they actually sell something called an XXXX token on the XXXX blockchain which is *not* the actual XXXX cryptocurrency and which costs upwards of {$180.00} to convert into the actual cryptocurrency. XXXX, they completely lied about the asset they were selling and suckered me out of my money which I believe I was transferring to XXXX but instead was transferred to XXXX. So unless I spend now {$180.00}, I'm out my {$80.00}. XXXX refuses to take any responsibility for this action and only after I complained informed me that they do not actually sell XXXX on the XXXX network. This is entirely fraud, and as a company with significant holdings in XXXX, XXXX stands to profit from the more money sucked into that blockchain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-08-17
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I am currently a longtime TitleMax customer, and I am currently stuck in a title loan with this company that originated in XXXX of XXXX. I took out this loan at a time when I had no other options as my husband was XXXX and on XXXX  for XXXX XXXX. I borrowed just under {$4000.00} at the time, and I have been paying at least {$500.00} each month since then which has resulted in more than {$24000.00} in payments of excessive interest and late fees for my XXXX XXXX XXXX. 
I have attempted to contact the office, and in my communication with the associates at the XXXX, Georgia location, I have been unable to come to a resolution, and each time I attempt to contact the corporate office via their XXXX number, I am rerouted to the XXXX XXXX which has constantly communicated with me using deceptive and financially abusive tactics to drain me of more than XXXX times the amount of money that I originally borrowed XXXX  years ago under the constant threat of " pulling in '' or repossessing my vehicle. 
Since XXXX, I have paid TitleMax 's excessive interest and fees in spite of financial difficulty, a worldwide pandemic and the historic inflation rates following the pandemic. 
The jingle from the ads from this company says, " Get your title back with TitleMax! '' That's essentially what I expect as a result of this complaint and an honest review of my account. I expect for TitleMax to settle this account as paid in full from a corporate level, and I want my title back, as it is the only ethical thing to do in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX-18, I opened up a tab at a bar with my Chase debit card. Upon closing the approx {$20.00} tab, a Chase debit card was given back to me, although it turned out to not be my debit card. I did not come to this realization until the next morning. I immediately checked my online banking accounts the next day and saw numerous fraudulent charges ; detailed dates and transactions attached. I then called Chase claims services to file the claim and report my debit card stolen. Chase investigated the claim and came to the conclusion that the claim was denied. They stated that because my PIN was used on the fraudulent transactions, that i was not owed my money back. I have evidence on one of the attached documents of an email that was sent to me at the time of the fraud. The email is a fraud alert from Chase showing that 2 ATM cash withdrawal were attempted and then successful at a XXXX XXXX. This was the beginning of nearly {$4000.00} in ATM withdrawals and purchases on XXXX-18. I have witnesses that can state I was out with them in XXXX at the time of the fraudulent transactions ; most of the transactions occurred in the XXXX suburbs. The end result is I was not reimbursed for the fraudulent charges and Chase claims was not helpful in the matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My credit report continues to show a balance on my Chase United Explorer account of {$5100.00}. There has been no update since XX/XX/2022 and I have paid down the balance significantly. I contacted Chase Bank and they claimed they could only start reporting the correct amount after I sent them a letter stating that the dispute I was had with XXXX XXXX XXXX XXXX XXXX was settled in a Small Claims case in XXXX XXXX. 

This statement should suffice and I am demanding that Chase start reporting the correct information to the credit bureas for my Chase United Explorer Account under te name of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent over 3 rounds of letters to the bureaus and they are not responding in a timely manner, it has been well over 30 days and I have not received anything back. They also are violating FDCPA section 807, as this is leading false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have called transunion to have some inquires removed due to a server error. These inquires are as follows : XXXX XXXX XXXX XXXXXXXX XXXX via -XXXX XXXX  XXXX XXXX XXXX via XXXX XXXX  -XXXX  XXXX XXXX  -XXXX  XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX Customer service would not take care of the negative inquires reporting to the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: OKCoin USA Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello, On XX/XX/XXXX I attempted to withdraw my funds from OKCoin ( a XXXX XXXX licensed in the XXXX and based in XXXX XXXX ). I was unable to do so and received the following message after clicking " Withdraw '' on their website : " In accordance with the terms of service, we regret to inform you that we can not provide services for you. If you have any questions, please contact our customer support. '' I have since contacted customer support multiple times and they have not provided any solution. They initially said they issue was due to the fact that I was not fully " verified ''. I am now " Verified '', yet I continue to be unable to withdraw my funds. 

I have attempted to withdraw everyday since then, multiple times a day. I have also XXXX  the issue and see others have encountered the same problem. 

Would you kindly help me resolve this? We're not talking about a lot of money ( ~ {$3500.00} in value ), but it's mine, and I should be able to withdraw it. 

Many thanks in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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:
When I reviewed my credit report. I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
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 2023-07-07
Company: Nelnet, Inc.
State: MI
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 student loan was transferred and I had no knowledge of it until I got an email saying welcome to ur new loan service. The old loan was removed and the new loan was applied. Taking my credit scores lower than normal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Village Capital & Investment LLC
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
We can not reach the company to pay the mortgage. We've had issues in the past with falling behind, but we always manage to get ahead again. We have fought this company about a handful of things. One being that my wife and I have tried getting my wife on the account since we signed the papers at the very beginning. We've tried mailing our 3rd party Auth forms to them, we've tried the over the phone method, and lastly we tried e-mailing them the forms. We've had 4 different people say they have received said forms, but here we are years later, and my wife is STILL NOT on the account to get financial information and make payments, etc. Secondly, the company advertises the " Call-back '' feature on their phone line, but when you opt-in, you never receive any call back from ANYONE at VC & I. We've had a foreclosure submitted by these guys, because they never return 6-months worth of phone calls to make the late and future payments. IF we need to get the emails, call logs, and other documents, we have all of them upon request. And lastly, the incompetent employees also are rude and very unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent over 3 rounds of letters to the bureaus and they are not responding in a timely manner, it has been well over 30 days and I have not received anything back. They also are violating FDCPA section 807, as this is leading false reporting.

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 2023-08-07
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15
Company: The Receivable Management Services LLC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RMS attempted to collect a debt of XXXX for XXXX insurance. I've called them and told them i don't owe the debt because I had other insurance. They added it to collections before the timeframe given to respond. I also sent a certified letter to the company. No one has called or responded in a letter. No one has sent me any documents proving to me that i indeed owe the debt. Now they have yet again ILLEGALLY added it to my reports again. I do not have faith in this company. They are trying to ruin me for XXXX! I am making strides to pay off debt i owe. I have arrangements for debt i owe. So why would i ignore the SMALLEST debt I ALLEGEDLY have? This is obsurd and they are not abiding by the law in my opinion. I feel my rights have been violated in every sense of the word.

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