BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-13
Company: Square Inc
State: TX
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:
There exists a problem with fraud as it pertains to CashApp which supposedly is owned and/or operated by Square Inc . The bottom line is that, I have {$40.00} in my CashApp account which is effectively stolen by Square Inc., and in the possession of Square Inc., to which I have no access whatsoever. I have a CashApp debit card in my possession to which all of my in person transactions have been and continue to be denied without any explanation whatsoever. Even worse is that I have absolutely not way, whatsoever, to get in contact with CashApp regarding the inaccessibility to my funds. On XX/XX/2021 at or around XXXX XXXX. CT I tried to login to my CashApp account online via a full web browser and I received a message stating that the request could not be processed and to, instead, access support via the CashApp app on my cellular phone. The problem here however is that when attempting to access support via the CashApp app the app repeatedly crashes each and every time. Thus, I am not able to contact CashApp via their very own prescribed methods of contact. Furthermore, I am not able to contact CashApp via telephone either. Thus, I have no means, whatsoever, to contact CashApp and I have no access to my funds in my CashApp account. This is fraud by definition and is causing severe distress since this is the form of payment used for day to day transactions. See attached notice via CashApp ( Square Inc. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
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: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my 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 explanation
Consumer complaint received 2023-06-15
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:
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. 

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please delete all hard inquiries these are not authorized by me! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: MD
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:
Filed a fraud complaint with XXXX XXXX and experian.com. The following account listed doesn't belong to me. 

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 non-monetary relief
Consumer complaint received 2020-07-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are incorrectly reporting that I am an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I believe i was subject to identity theft, there are accounts on my credit report that i do not recognize. These accounts do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1800.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: MD
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:
Filed a fraud complaint with XXXX XXXX XXXX XXXX The following account listed doesn't belong to me. 

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
There is a discrepancy of a late payment for my XXXX account. For my XXXX and Transunion account, it is stating that I was 30 days late only in XXXX. However, for XXXX, it is stating that I was late 30 days in XXXX only. Also, there is a discrepancy in the balance of my loan amount. For Transunion and XXXX, it is showing a balance of {$19000.00}, but for XXXX the balance {$19000.00}.

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 2022-11-17
Company: Experian Information Solutions Inc.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XX/XX/2020

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 2023-12-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I dont lived at XXXX XXXX XXXX XXXX XXXX Ga XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX, XXXX XXXX XXXX XXXX XXXX ga XXXX, XXXX XXXX XXXX XXXX XXXX ga XXXX or XXXX XXXX XXXX XXXX new york XXXX. 15 usc 1681 B I have a right to privacy and the consumer reporting agency continue to violate my rights and wishes. The only address that should be on file is Rural free delivery, non domestic, Georgia XXXX XXXXXXXX. There is no law that says any credit reporting agency can report this information without my consent and i say no period My name is XXXX XXXX XXXX nothing else but that

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 2023-12-11
Company: Experian Information Solutions Inc.
State: FL
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

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 2023-08-28
Company: AMERISAVE MORTGAGE CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Negative impact of inaccurate appraisal

Complaint:
On XX/XX/XXXX, as part of a mortgage refinancing condition from AmeriSave Mortgage Corp., I received a grossly negligent appraisal on my intown XXXX house from XXXX XXXX XXXX in Georgia. The XXXX sq. ft. home was sorely undervalued at {$390000.00}, and the appraisal was filled with inaccuracies and omissions. The appraisal omitted or disregard the attached two-story XXXX sq. ft. deck, the attached carport, the XXXX storage room, and several appliances. The appraisal also falsely asserted that the house was not in an appreciating neighborhood, when values in the area has been and still are increasing, and it did not upwardly adjusted the value of the comparables accordingly. 

I immediately appealed to both the lender AmeriSave and the appraiser XXXX. The lender said that I can only use their assigned third-party company XXXX for any appraisals or reconsiderations. On XX/XX/XXXX and XX/XX/XXXX, I filed an appeal for reconsideration and a supplemental appeal, detailing every negligence or error made by the appraiser. The appraiser responded on XX/XX/XXXX with a denial of my appeal, and not changing the appraisal at all, keeping the appraised value at {$390000.00} meanwhile, not addressing any of the several points of error that I brought up in my reconsideration request. 

In the meanwhile, I sought a second appraisal opinion from an independent, highly reputable appraiser, XXXX XXXX. XXXX XXXX  appraisal was more detailed and carefully prepared. The appraisal, dated using the same facts of XX/XX/XXXX, was {$430000.00} an almost 9 % difference in valuation. I also provided XXXX XXXX with the original appraisal from XXXX as well as my reconsideration request and the companys response. He noted the various errors made by the previous appraiser XXXX. 

Unfortunately, this negligent, erroneous appraisal by XXXX, the company that AmeriSave insisted that I use for appraisal, was {$5000.00} less than the minimum {$400000.00} required to receive the rate-locked refinance loan at 3.125 %, and as rates had just begun to skyrocket, I was forced to accept the loan at 4.275 % which although lower than todays current rates, is quite a significant difference in monthly and longterm payments. In addition, I as the homeowner suffered other major financial and market losses due to the unfair and negligently prepared appraisal of the home.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: BlockFi Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
To whom it XXXX concern, I am a customer and user of BlockFi Inc. 

I had digital crypto currencies stored in the BlockFi Trading LLC. Digital " wallet '' which was marketed by the company as a way to, and I quote : " Easily safeguard and store your crypto.. ''. as stated on their website. 

In light of recent events ( paused withdrawals ) BlockFi have not yet processed my withdrawal for crypto currencies, initiated on the XXXX XXXX, which were stored in the wallet PRIOR to any announcements by BlockFi of company uncertainty and withdrawal pausing. XXXX balances were XXXX XXXX and XXXX LT ( Litecoin ) respectively. 

Under the terms of XXXX XXXX XXXX stated on this page XXXX XXXX XXXX. My funds ( valued at a market price of almost $ XXXX ) were maintained by XXXX XXXX XXXX acting on behalf of XXXX XXXX XXXX. 

These assets were supposed to be safeguarded and the terms also states that there was no transfer of ownership from myself to BlockFi while I used this XXXX ' service. 

I formally request that XXXX honour the asset withdrawal in my name and I request that these assets are not used to satisfy secured creditors in the even of bankruptcy filings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The company closed my account I had not acknowledgment of the payment being past due. XXXX, XXXX on behalf of XXXX XXXX XXXX XXXX give you the authorization to open this account on behalf of the principal. 
I also accept the principal balance, titles, rights, interest, and equity Owed to XXXX XXXX. 
I hereby instruct Capital one to apply the principal 's balance to the principal 's account for each and every billing cycle for set-off. 
Capital One doesn't have the right to decline the XXXX XXXX because of a XXXX XXXX. 
I also instruct Capital one to communicate in writing within XXXX business days once instructions are completed. 
If instructions are not completed ' I XXXX Capital one to respond in writing within XXXX business days giving reason of non-performance of fiduciary duties. 
If no communication is made within XXXX business days. I XXXX, XXXX on behalf of XXXX XXXX XXXX XXXX that instructions have been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: WI
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 sent out two letters to the department of educationXXXX and credit bureaus to provide verification that its my debt with my signature on XX/XX/2023 and XX/XX/2023 the company never sent the verification and credit bureaus did not respond either with proof. they put this on my credit without notifying me before hand and altered my credit score

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 2023-01-25
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
My requests for proper verification and the removal of the bogus information on my credit reports have been disregarded despite the numerous written letters I have given to the three credit bureaus. I last wrote to the credit bureaus XXXX, Equifax, and XXXX on XX/XX/XXXX, but I never heard back from them. It is evident from a copy of my most recent credit report that the credit bureaus disregarded my requests. The Fair Credit Reporting Act, 15 USC Section 1681i, specifies that it is not authorized to continue reporting unverified information without any supporting documentation during the time frame permitted by law. Their willful non-compliance has violated this provision. My credit score has significantly decreased as a result of the fraudulent information that is still being reported on my credit report. I'm hoping you can help me out and get these things removed as soon as you can : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX. I have read enough to understand my rights and it is clear that you are trying to violated my Consumer Rights to save your own skins. Under the Fair Credit Reporting Act section 605b, I am requesting that you remove the disputed accounts and information off of my Credit File as soon as possible.

Company response to consumer: Closed with explanation