BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-18
Company: MIDFIRST BANK
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My loan was transferred to Midland Mortgage by XXXX XXXX company after forbearance. in XXXX of XXXX. During that time after that date, I keep getting in touch to MIdland and asking them so what going to happen with my loan, they said that your paper works are not ready they still do not know because my papers are not completed yet. but you are not obligated yet to pay your monthly payment since, they still waiting for modification, then my modification was granted in XXXX and stated in XXXX of XXXX. Now I want to refinance my house I see that I have 120+ late payment in my credit report which is avoiding me to get refinance, How is that happen? when Midland mortgage just finished my paper work in XXXX and I started paying on XXXX and I was on time paying the mortgage since then.

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 2022-04-24
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX  Account # 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.

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 2023-10-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
It should come naturally to understand the importance of an accurate credit report in one 's financial life. Finding errors in the credit report that conflict with one 's own financial records has therefore caused some concern. 

As a result, a request is made to correct these errors and update the credit record. A business such as yours is supposed to maintain strict standards of accuracy, and the records ought to accurately reflect your spending and saving patterns. 
I would appreciate a prompt response to this matter. It is hoped that quick action will be taken to correct these errors, considering the possible consequences. 

It is impossible to overstate how crucial accurate credit reporting is. Finding inaccuracies in the credit report is concerning because it is a crucial component of financial security. It raises questions regarding the stability of your services and your financial situation. The initial trust in your organization can be restored with a speedy resolution to this matter. 

We anticipate that this issue will receive prompt attention. In addition to being highly anticipated, a timely answer is also regarded as vitally important. You can rebuild confidence in your services and reinforce the legitimacy of your company by taking quick action to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: CarMax, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My wife and I had a vehicle loan through Carmax. We paid the loan in full on XX/XX/2021. It took two months to report hers correctly but they still havent fixed mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Validate Account XXXX  Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my 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 non-monetary relief
Consumer complaint received 2022-04-24
Company: Experian Information Solutions Inc.
State: CO
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 have violated my federally protected consumer rights to privacy and confidentiality until 15 USC1681.

15 USC 1681section 602 A states I have he right to privacy.

15 USC 1681 section 604 A 2 states a consumer reporting agency can not furnish an account without my written instructions.

16 USC 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. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-18
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am not aware of the accounts of these accounts.

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 2022-09-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account - 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: EQUIFAX, 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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: TX
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 Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I purchased a service from a seller via XXXX. XXXX transferred my money and I received nothing in return. I was scammed for almost {$2000.00} & USAA did absolutely nothing to return my money after being scammed. XXXX also did not assist me and sent a basic copy & paste message just like USAA. Both companies are ultimately responsible for not providing me with my money that I need back. Just to be crystal clear I NEVER received anything for that large sum of money. It seems like they refuse to even check the information & proof I have provided. USAA has also refused to create a new dispute & even completely filed everything incorrectly. The charges were filed for around {$9.00} instead of the XXXX $ needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Experian Information Solutions Inc.
State: TX
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 didn't ask for these companies cards and don't know where they came from Experian XXXX XXXX XXXXXXXX XXXX XX/XX/22 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXal XX/XX/22 XXXXXXXX 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 2019-02-16
Company: Amscot Corporation
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2019 Ive been using the XXXX XXXX XXXX ( over the Internet ) by trying to send a few dollars to my relative in XXXX. As usual, the XXXX XXXX has done a good job, counting and giving me a final bill. All I have to do is left is to drop off the money to the agent. No additional fees. 

Around XXXX XXXX I have stopped by the XXXX XXXX XXXX to ask them if they are the agent of the XXXX XXXX and can I drop the cash here. Since then, for about the forty minutes I have been harassed or/and discriminated by scam artists from XXXX XXXX XXXX. 

The employee of the XXXX XXXX XXXX. Mr. XXXX XXXX ( and two more of the employees ) has attempted to defraud the myself by violating my civil and constitutional rights as well as trying to trick me by demanding financial and personal information in addition to pretended services, as well as attempted to defraud by trying with intent to obtain property ( cash ) by false or fraudulent representation. 

At the end of the forty wasted minutes they have produced me a bill of fraudulent {$320.00}, which was {$19.00} more then the original XXXX XXXX bill. 

Next, I have been trying to contact the XXXX XXXX XXXX. Customer Service That is very poor customer service! The pirates from the XXXX XXXX XXXX saved and protected by their Very Poor Customer Service. 

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Phone : XXXX Fax : XXXX Website : https : //www.amscot.com/

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Block, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
I want to file a complaint against Square. I have a small travel company located in the XXXX XXXX. We have been using Square for over 6 years. When the pandemic hit, we had lots of consumer refund requests and we didn't have enough staff to process everything on time. There were some clients decided to file a credit card disputes with their credit card company. I totally understand their decisions. Because of the disputes went to Square. Square decided to put a reserve on our account, which 40 % of all sales volume. I actually understood their decision as well because of the credit card disputes we had. 
However, as of XXXX this year, we issued more than XXXX XXXX to refunds to clients and the credit card disputes have almost disappeared. We hired new staff and tried to take care of every refund requests. But Square still keep the reserve on our account. This is becoming more and more concerning to us. 
For example, we only receive 60 % of the clients ' payment when they make a booking with us, and when they come back in 4 month and decide to cancel the trip, we are supposed to refund 100 % of the payment minus a little cancellation fee, but Square haven't even transferred us their payment. We still only have 60 % of the total payment but now we need to refund almost 100 % of what they paid! These similar transactions are draining our bank account!

As of today, Square still keeps 40 % of our sales revenue, and the amount they are holding now is {$120000.00}.

I believe our business is just one of hundreds of thousands facing the same problem, I demand Square to take the correct action and refund our reserve right now. I will share my experience with all regulatory bodies until they do. If anyone have a similar experience, please feel free to contact me, and we can together form a stronger force against this unfair treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi it Includes XXXX people and companies, XXXX, Boa, and XXXX XXXX XXXX, I bought a bundle of computers and printer products for under XXXX, got no rewards from Bank of America Corporation because they put me into collections and I was not paying automatic payments which they wanted me to do. I was paying snail mail. It's been months paid in full prior to collections and closing my card and ruined my credit. I have spoken with BOA in person and email and phone and they did nothing to help me with this. Angry at them all.

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 2023-12-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2022-09-18
Company: EQUIFAX, INC.
State: SC
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 has removed the below accounts. XXXX XXXX, XXXX XXXX Pursuant to 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. 

Remove the accounts listed. I have attached the proof that show transition has removed the accounts that are still on my consumer report. These accounts are preventing me from getting a vehicle for my expanded family. It is causing my mode of living to be hindered and this is causing great XXXX  and fear.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: EQUIFAX, INC.
State: TX
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:
cfpb Reference number XXXX Equfax the consumer reporting agency can not furnish my permission of written instruction According to the provision of the Fair Credit Reporting Act 61 1 ( a ) [ 15 USC 1681i ( a ) ], these items must be deleted from my credit report within 30 days. In the interim

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XXXX Made with : Equifax Made by : XXXX Made on : XXXX Made with : Equifax Made by : XXXX Made on : XX/XX/2022 Made with : Equifax Made by : XXXX Made on : XXXX Made with : Equifax Made by : XXXX XXXX Made when : XXXX Made with : Equifax Made by : XXXX XXXX when : XXXX Made with : Equifax Made by : XXXX Made when : XXXX Made with : Equifax Made by : XXXX Made when : XXXX Made with : Equifax Made by : XXXX Made when : XXXX Made with : Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: AmerAssist A/R Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A/R Solutions inc has contacted me numerous of times about a medical debt. I disputed the debt and asked the company to validate the debt. A/R Solutions inc then supplied with documents from Dentists of XXXX. Enclosed was a exam consent form with a list of procedures and charges. It also had my medical record number enclosed in that as well which is a HIPAA violation.

No where on those documents shows I owe A/R solutions. I responded and asked them to supply me with the HIPAA authorization release form to show I authorized my medical information to be accessed. They responded vaguely with a letter demanding I pay the debt. I sent out a third letter asking them to stop contacting me if they can't provide me with the requested proof.

They resent a letter stating they are attempting to collect a debt, but still no proof of me owing them, nor did they provide me with the HIPAA authorization form I asked them for. I even have two documents showing two different months and year on the exam consent forms. Which is very questionable. My address is even wrong on the documents. So, I have the right to make sure I am not being scammed. 

I have already filed a complaint with the XXXX, attorney general of Texas, and the U.S. Department of Health & Human Services against A/R solutions inc and Dentists of XXXX for violating my privacy rights. 

A/R services has not only violated my privacy, but has also disregard my dispute request as well as harassed me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation