BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
Company: Block, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Friday, XX/XX/2022 a customer paid me on cash app for her nails. The total cost was {$150.00} dollars. Today XX/XX/2022 I get a text message saying that the customer had filed a dispute and will be getting the refunded payment from my account. Cashapp proceeds to take {$150.00} out of my account. Prior to this I was not notify about the dispute in the first place, the only message I got about the dispute was regarding the payment being taken out of my account today. I contacted Cashapp the moment I found out what happened, I waited hours for a response just to hear that they can not do anything about the money I lost, instead they told me to discuss the issue with the scammer myself. I messaged them on social media, contacted their live support, and I call their number. I was scammed out of my time and money. Not only is Cashapp support line terrible, they are letting scammers get away with stealing from small businesses without doing anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and would like them remove Account name/ # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name/ # : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name/ # : XXXX XXXX # : XXXX Account name : XXXX DEPARTMENT OF EDUCATION Account XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Also states a consumer reporting agency can not furnish a without my written instructions 15 U.S.C 1681 s-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 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

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 2019-04-30
Company: ALLY FINANCIAL 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:
ALLY FINCL partial account number XXXX - is reporting incorrectly to XXXX a late payment in XXXX. ( Please see page 3 of the attached credit report. ) The company offered an extension but failed to input the extension correctly into their system and consequently this resulted in a late payment being reflected on my credit report. This incorrect reporting is harming 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 2021-11-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello, On XX/XX/XXXX, I received a promotional email HSBC regarding my checking account ( see attached PDF. In short, during the 6 months ( starting XX/XX/XXXX and ending XX/XX/XXXX ), customers would earn {$180.00} for performing specific actions -- " Earn {$15.00} per month when youMake 10 new purchases per month using your eligible HSBC Mastercard card ( s ) earn {$15.00} per month for 3 bill pays per moth ''. 

Although I faithfully followed the terms, it has been very difficult to get HSBC to properly credit my account as per above. After many interactions with customer service, they've finally credited me {$90.00} ( {$15.00} x 6 months ) for the " bill pay '' portion of the promotion. 

They're not crediting my account the additional {$90.00} ( {$15.00} x 6 months ) for the " using card '' portion of the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an unverified account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had previously disputed this account. I have never done business withXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. The original date of default and collection activity begins 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CBE Group Cease and Desist all further communications and collection activities and provide the verification of the purported debt.

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 2022-12-25
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX Bank is reporting erroneous and erroneous information to credit bureaus and others and violating my rights to privacy. This company was contacted on XX/XX/2022 with XXXX and XXXX XXXX and has yet to respond. XXXX is reporting false and erroneous information to credit bureaus and others and violating my rights to privacy. This company was contacted on XX/XX/XXXX, with XXXX and XXXX XXXX and has yet to respond. In accordance with the Fair Credit Reporting Act, these companies are violating my rights : 15 USC 1681 602A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish account without written authorization

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 2021-05-01
Company: ARVEST BANK GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX pusurant to Arvest Central Mortgage 's request to my last complaint, I provided dates and statements showing my credit effected by the erroneous reporting by Arvest on XX/XX/XXXX of my account in foreclosure when in fact it was paid in full on XX/XX/XXXX. Also Arvest threatened to charge me more on XX/XX/XXXX when there was already a payoff letter through XX/XX/XXXX and i was told not to pay it as the closing closing was in a few days. They reported the XXXX payment as late and charge a late fee. I provided the closing statement / payoff letter and they chose to ignore that and all the information provided to include numbers 1-19 with back up documents. These show that two major accounts were closed due to the XX/XX/XXXX credit reporting error. Also two accounts lowered my credit limits due to the XXXX/XXXX/XXXX error in reporting to the credit agencies. Arvets requested dates and I gave them more than enough. The only response I received was that the corrected the error on XX/XX/XXXX almost XXXXhree months later. This is not sufficient and they stated that their prior response was not changed despite the new documentation showing that they effected my credit limits and scores to my detriment and provided no assistance to me and my family. This is humiliating and embarrassing as well as not a proper response to the problems they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I recently applied for an auto loan and it was DENIED because they went to Transunion and they incorrectly reported me as having recent late payments for an account that was closed 6 years ago. Ive had XXXX missed payments on anything for 6 years! Ive pleaded with Transunion to fix for months with no success.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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: Public record information inaccurate

Complaint:
I sent letter to courts saying I was unaware that they reported to the credit bureaus. They sent a letter saying they DO NOT communicate with them. I sent the letter from court along with a follow up letter to credit bureaus asking to verify who reported information about bankruptcy, and they havent sent Valid response to whom reported it to them. If it cant be Verified it has to be deleted. I requested twice that it be deleted and they reponded with a dispute letter saying it will remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 I disputed an account on my credit report with a factual error with XXXX  / XXXX   XXXX  which came back verified even when I have a letter from the creditor in dispute that I will attach to this dispute saying that the account is no longer with them, so then how did EQUIFAX verify this?????? EQUIFAX has failed to do a proper investigation. I demand that EQUIFAX provide the method of verification under section 611 of the FCRA or delete this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 checked my credit report recently and noticed a closed charged off account from XXXX XXXX XXXX XXXX {$21000.00} that i have no knowledge of opening or ever giving consent to be

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 2022-12-12
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection will not respond to my letter nor my phone calls. They removed debt from my XXXX then later added to my XXXX and XXXX. This is a false debt which they will not validate the debt. The have 2 collections on my credit report

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I suspect fraudulent inquiries on my credit report. below are the inquiries listed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-13
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Barclays credit card company. Debt was paid in full but company will not update 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 2021-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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/2020 CapitalOne ran a hard inquiry on my credit report. I called CaptialOne the day I got the day the alert came from the Credit Bureaus that my credit was ran. I spoke to XXXX, she advised me it was an error on CaptialOne 's end. She provided me with the address to get the dispute taken care of. However, she told me I will need to wait a few days because the application she found didnt have an account number attached to it and I will need it to dispute the hard inquiry. After, I didnt receive anything with an account number, I called back on the XX/XX/XXXX and rep was able to close the account but still was unable to provide me an account number. 

I have written several letters to CaptialOne and the three credit bureaus ; XXXX, XXXX and XXXX. XXXX has removed the inquiry because of the fraud that happened and have placed a fraud alert on my account since XXXX of 2020. However, XXXX and XXXX is refused to remove the inquiry even though the inquiry is marked as fraud. 

I reached out to the police department and they advised because I never recieved a card, it isnt a crime. So I couldnt file a report. I was advised to reach out to CFPB to get a report filed and try to get it removed this way. 

As a consumer I need some help to get this fraud off my account. I am tired of large companies being bullies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-25
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: Credit inquiries on your report that you don't recognize

Complaint:
I suspect fraudulent inquiries on my credit report. below are the inquiries listed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got a secured credit card through XXXX XXXX in XXXXI used it once, and was told by XXXX XXXX my score dropped XXXX points.I immediately called XXXX XXXX to cancel my card.The representative I spoke to told me I didn't owe any additional amounts, it was a secured card.A few months later, A default with XXXX XXXX appeared on my credit.I called XXXX XXXX, and was told my debit ( That I had no idea existed ) had been transferred.I have tried to dispute this debt repeatedly, just to receive letters stating I owe the debit, with no breakdown of the supposed debit, and letterheads from XXXX XXXX that have different dates.According to Portfolio Recovery, I was sent a letter in XXXX of 2019 from XXXX XXXX.I never received this letter.The letter I have received from Portfolio Recovery states " on or about XX/XX/2019 '' Is when my credit card debit was acquired.This is written on a XXXX XXXX letterhead.Obviously this is not from XXXX XXXXThese people buy debit for pennies on the dollar, lie, intimidate and cajole people for money they do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
As a Veteran, I applied for a new VA mortgage with legitimate lending providers including XXXX XXXXXXXX XXXX and XXXX. Immediately following these institutions running my XXXX XXXX I have been bombarded with predatory loan providers who clearly have all my information trying to sell me their mortgage. None leave messages and keep calling, I find it harassing and I believe it should be illegal for credit report agencies to violate my privacy by providing my information to lenders other than the institutions I authorized. If you ask me, the very agency that is supposed to protect my credit information, and protect my identity is the very source of potential identity fraud with these kinds of practices. When I contacted my financial institutions about what is happening I was told this is the practice of XXXX. After discovering these kinds of practices, I would never do business with XXXX, but that choice is stripped away from me with the current financial systems in the U.S. that force me to use a company that allows predatory lenders access to my information unless I first contact them or have a freeze placed on my account, but to get my mortgage I can't have a freeze. I have contacted XXXX about their practices and requested that they do not share my information with unsolicited lenders but this has not stopped the calls from the numerous agencies that they already contacted with my information. It should, in my opinion, be illegal for anyone, bank or otherwise, to be notified when I apply for a loan, or credit card, or anything, besides the companies I am directly working with. Anything else is a violation of my privacy and proves these credit monitoring companies are unethical and do not know the meaning of confidentiality. Additionally, they are encouraging and enabling predatory practices that are violating and hurting U.S. consumers. How will you protect my privacy? How will you protect me from these predatory agencies trying to take advantage of veterans and citizens?

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 2022-08-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We were in forbearance for 12 months on our mortgage with Lakeview serviced by XXXX, at the end of forbearance did a loan modification placing all past due payments, taxes and insurance in a deferred balance. During that time was approved for HAF mortgage assistance on XX/XX/XXXX. Lakeview received funds and refused to apply them and returned them on XX/XX/XXXX. We have spoken to Lakeview almost daily, they have given several different reasons why they will not apply the funds. Even after Lakeview returned funds they claimed they never received them. They refuse to give us the information on where to have the funds applied to deferred balance.

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 2021-05-01
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: Investigation took more than 30 days

Complaint:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taking advantage of and being ignored of my disputes. In Section 611 ( a ), it plainly calls out that a failure to investigate theses items with in 30 days gives a clear and present reason to immediately remove those items from my credit report it has been over 60 days so the items in question should be deleted promptly. I demand the accounts in question be deleted immediately or I will file for a litigation due to the mental and emotions stress you have caused me. This matter has effect my mental and physical wellbeing and I will seek damages if this matter is not swiftly resolved. My information was also impacted by the Equifax data breach.

Company response to consumer: Closed with explanation