BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am writing you this letter to inform you that you have indeed violated my consumer rights as a federally protected consumer. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable also under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.

I have the right to privacy as a consumer which is stated in 15 USC 1681 ( a ) ( 4 ). You dont have the right to furnish my information on my consumer report stated by law. If you have the permission to furnace my report. Send me the signed contract that gives you consent that contains my signature giving you consent to do so.

Also there is not a possible way a debt can be validated under 15 U.S. Code 1692g ( 5 ) ( b ). Law states that there is not an action to assess no credit bureau has the authority to do so. Lastly there is no investigation to conduct under 15 USC 1681a ( e ) investigative consumer report this term means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living it's obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information. 
So this means there's no way any credit bureau can investigate. if so send me all the evidence and actions took during the alleged investigation. and send me proof of VALIDATION I do not consent for you to use the e-oscar system to verify or look over this matter. I DEMAND THAT YOU DELETE THESE FOLLOWINGS ACCOUNTS IMMEDIATELY. 
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 2016-06-14
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
The website set up by the XXXX major credit agencies ( XXXX ) no longer provides any reports online. Equifax and XXXX directs the user to write for the free report and requires a long list of documents in order to fulfill the request. XXXX 's site just stalls for hours until user finally gives up. As soon as the session was over, Equifax sent me an email advertising their pay services. It is clear they are trying to circumvent the federal law requiring them to provide free credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have been trying to reach cash app customer service number but it says that you can't speak no one only by email but I have been using that app to file a dispute and I always get the same email back which is this one This is XXXX from Cash App Support, thank you for reaching us and I'm sorry for our delayed response, I completely understand seeing an unauthorized activity in your account can be alarming, but I want you to know I am here to help. 

To begin our investigation, you'll need to provide complete answers to all of the following questions. We can not begin an investigation without all of the following information : 1. What is your legal name, $ Cashtag, and email address and/or phone number linked to the account associated with the 'unauthorized ' activity? 

2. What is the date/time and amounts for the transactions that you believe are in error?

3. Why do you believe the transactions were unauthorized?

4. Were you instructed to download any other apps other than Cash App to access the account in question?

5. What is the make and model of the device ( s ) you were logged into when the transactions took place? 

6. Which city & state were you located in when the unauthorized transactions took place?

7. Did you forward or provide any account access information to a third party? 

We will review your account as soon as we receive this information. 

We will never ask you to provide your PIN, send a payment, add funds to your balance, make a purchase, or complete a " test '' transaction of any kind. The best way to contact Cash App Support is through your app. For more ways to reach out, check out Contact Cash App Support here ( https : //cash.app/help/us/en-us/3128-contact-cash-support " Contact Cash App Support '' ). 

If you have any questions or concerns please feel free to reach me, I want to make sure everything is being taking care of. 

Best Regards, XXXX. 
Cash App Support. 

ref : XXXX : ref I always respond with the answers for these questions and then again I get the same lame email again and again but nothing about my case update I have not heard from someone live and pretty upset at this point and hopeless I need my refund my money I need it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I RECENTLY CHECKED MY CREDIT AND NOTICED A XXXX XXXX XXXX SVCS ACCT REPORTING A CHARGE OFF FOR XXXX ON A VEHICLE IVE NEVER OWNED OR LEASED, SO I IMMEDIATELY FILED A DISPUTE WITH THE CREDIT BUREAU WITH ALL SUPPORTING DOCS TO PROVE ITS NOT MY ACCT. UPON COMPLETION OF DISPUTE IT CAME BACK VERIFIED AS MY ACCT SO I CALLED EQUIFAX AND THEY STATED XXXX VERIFIED ITS MY ACCT SO I CALLED XXXX TO ASK HOW THIS ACCT WAS VERIFIED SO THE REP XXXX AT XXXX XXXX WAS VERY HELPFUL AND ASKED MY SSN # AND IMMEDIATELY TOLD ME ITS NOT MY ACCT AND SHE WOULD IMMEDIATELY WORK TO GET THIS MATTER REMOVED FROM MY CREDIT REPORT. SO THE NEXT DAY I CALLED TO FOLLOW UP AND SPOKE WITH XXXX XXXX WHO ALSO VERIFIED ITS NOT MY ACCT AND WOULD WORK TO HAVE THIS ISSUE RESOLVED A COUPLE HOURS LATER I RECEIVED ANOTHER PHONE CALL FRM XXXX XXXX STATING I NEEDED TO FILE A POLICE REPORT STATING MBFS ACCT XXXX WAS A IDENTITY THEFT CLAIM OR MBFS WOULD NOT REMOVE THIS ACCT OFF MY CREDIT WHICH IS BLATANTLY WRONG WHEN ITS NOT MY SSN # ATTACHED TO THE ACCT NOR MY PERSONAL CONTACT INFO SO WHY SHOULD I HAVE TO FILE A FRAUDULENT POLICE REPORT TO HELP YOU RESOLVE AN ISSUE THATS NOT MINE AND NOW THIS ACCT HAS BEEN REPORTING AS A REPOSSESSION ON MY CREDIT REPORT NOW OVER 30+ DAYS NOW AND WILL REMAIN THERE DURING AND INVESTIGATION PROCESS OF 30 MORE DAYS TOTALING 90 DAYS TO BE PENALIZED FOR AN ACCT THATS NOT MINE AND THIS MATTER HAS DROPPED MY SCORE DRASTICALLY AND I CANT REFINANCE MY HOME NOR BUY A NEW CAR OR APPLY FOR CREDIT OR EMPLOYMENT DUE TO THIS ERROR ON THEIR BEHALF WHICH IS UNACCEPTABLE. ITS BLATANTLY A FCRA VIOLATION THATS HENDERED ME TO THE FULLEST EXTENT AS A CONSUMER AGAIN IT UNFAIR. SO I HAVE NO CHOICE BUT THE SEEK COUNSEL AND FILE A LAWSUIT IN LOCAL OR FEDERAL COURT ON THIS MATTER AND SUE FOR DAMAGES AND PAIN AND SUFFERING DONE TO ME AS A CONSUMER .. 
Consent to publish the description of what happened? Consent provided Product Vehicle lease Issue Managing the loan or lease

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XX/XX/15 appears on my credit as a negative item. Back at the time this account was opened, I do not recall ever being late and somehow I was pushed into paying the balance. It was paid and never was taken off of my credit or updated with positive status. This negative reporting is hurting my score and I know I wasn't late or owed .... Please have them remove this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX, I received an email for a cancelled flight on a trip I had booked. I immediately contacted Chase Travel rewards in regards to this and cancelled my trip. I was told that the cancellation was successful and I will be receiving my points back from me. I could expect to receive the XXXX back in approximately 3-4 business days. Great. This did not happen. I went to the portal again to contact someone on XX/XX/XXXX in regards to this. They said they are going to look into this and will get in contact with me in a few days. Ok cool. Nobody had called me yet again. I finally called on XX/XX/XXXX in regards to this. Explained my situation and was told I will not receive my points back. After being told over 2 weeks ago that I was? I wanted to speak to a manager and waited on hold for one for 30 minutes. Finally, I said just call me back I don't have the time. I have yet to hear back from them 3 days later. I am forced to make this complaint because I was told one thing and then told another 2 weeks later. You can't say I will receive my points back and then say nevermind you aren't going to now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-18
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XX/XX/15 appears on my credit as a negative item. Back at the time this account was opened, I do not recall ever being late and somehow I was pushed into paying the balance. It was paid and never was taken off of my credit or updated with positive status. This negative reporting is hurting my score and I know I wasn't late or owed .... Please have them remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Bank XXXX XXXX reported a charge off on my credit report in the amount of {$500.00} on XX/XX/2022. Ive received multiple unsolicited phone calls and letters in the mail from this company trying to collect this debt which violates my rights as a consumer as shown below in 15 U.S.C section 602 A. Ive tried to reaching out to the company to have this account removed from my credit report with no luck. Please take into account all the laws that violated my rights as a consumer below. Thank you for taking the time to read my complaint and have a great rest of your day! 


15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C. Section 604 A section 2 : It also states that a consumer reporting agency Can not furnish an account without my written instructions.

15 U.S.C 1692C- States that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any 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 2021-03-18
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability of getting a new home. I don't know why im being treated like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I was denied credit by XXXX XXXX on XXXX/XXXX/15 and an apartment community last weeK. 

I went to Equifax today to get my report due to adverse action online, they said they ca n't give it to me because I do not have a paid service with them. They told me to go to Annual Credit Report.com to retrieve it. But, I said I am requesting because of adverse action. However, I did what they say and because of Equifax and too many requests they told me to make now I ca n't get it. I spoke to a fourth person at Equifax at XXXX at XXXX today and he said the only way I can get it today and right now is by purchasing it with him on the phone for {$10.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I called Capital One to make a balance transfer from another bank XXXX XXXX Bank XXXX for a lower interest rate. I called within XXXX minutes of the first phone call to cancel the transaction. I spoke with a supervisor and was told that the payment did not go through and he would put a stop payment through and I may have to pay a XXXX dollar fee for the stop payment, which I agreed to do. He said there would be no problem as it was only XXXX minutes since I made the request. I was told that the transaction could take XXXX business days so I did n't think there would be a problem. This was on XXXX XXXX. Then I got an email saying that the transaction went through. I think this was on XXXX XXXX. I called Capital One again and spoke to a supervisor. I was told they saw the stop payment and it went through but it takes sometime to show up on the account. A day or so later I looked at the bank that I was having the transfer made from XXXX XXXX Bank XXXX, and it did go through. I called Capital One again and spoke to a supervisor. I was told to call XXXX bank to ask for a refund. I did this but XXXX bank said they could n't do that. 

I called Capital One again and I was told again that the stop payment was denied! Basically, because it was an electronic transaction it was instantaneous and there was no way to reverse the transaction. I told them that a supervisor had assured me that they could stop the transaction when I called immediately after the request. I said I was lied to and/ or they made a mistake and/ or the people working for them had no idea how to handle this situation. I did n't want to pay the fee of {$87.00} because I was told the stop payment was possible and due to the basically instant request on my part to cancel the transaction and was told the stop payment was made. The supervisor refused to help me in any way. He said I could n't talk to anyone who could help me and he did n't have the authority to credit the fee. I pointed out to him that legally a person has the right to cancel a financial deal within a certain amount of time, in this case it was only XXXX minutes when the request was made. He told me that was not true. I asked to speak to the legal department and he said they did n't take calls. Basically, he said there was nothing I could do. 

I do not want to pay this fee as I was given false information and asked for a cancelation in a timely fashion. I was lied to on many different levels. I was told that the transaction would take XXXX business days. I was told the stop payment was made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-15
Company: Ocwen Financial Corporation
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To : CFPB Im frustrated. I took a call today at XXXX with a representative of Ocwen. I was informed that my home is active in foreclosure. I have been challenging and appealing the matter for almost 5 months. As of today, Ocwen reps do not have and have not resolved the original appeal. Failed to take into account that I followed instructions. Cant find the {$200.00} check I sent for the internal review. Has not addressed this letter and the rep does not even know about this letter. Wants me to do another letter modification packet with Ocwen instead of resolving this issue on the appeal. Noted that I inquired about a payoff and I did not make a request which is a fraud alert activity on my account. Please stop the foreclosure action and review the records you agreed to review and resolve the valuation appeal that has been outstanding since earlier this year. XXXX Letter To : Appeals Unit, Consumer Finance Protection Bureau XXXX RE Loss Mitigation-Loan # Last 4 digits Sirs : I disputed the appraisal and assessment in XXXX. Ive sent in a check for {$200.00} for an internal appraisal. I missed my appointment with Ocwen MondayXX/XX/XXXX, XX/XX/XXXX.
The home has water damage and suffered a burglary. The pictures of these items as well as the estimate to repair are attached. I do inhabit the home in XXXX. Please reset my call with Ocwen and my relationship manager to discuss these items. This information is true and accurate to the best of my ability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have submitted q request to have this medical bill removed from my credit it is a HIPPA LAW VIOLATION. When HIPAA-covered entities disagree with the findings of the investigation, a civil monetary penalty may be issued. This collection agency has shared my Doctor name and that goes against HIPPA and the bill has been paid. The collection company will not furnish proof of any but that I dont owe.

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 2015-08-12
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
The Account referenced has been placed with a collection agency by XXXX XXXX XXXX multiple times in the past. after a past complaint the account was removed from my report. Now months later it has reappeared again ( XXXX XXXX ). Please see attached documentation from previous mistakes by XXXX XXXX After the last time the XXXX representative assured me and the representative from The CFPB ( on a conference call ) that this was not going to happen again. Yet again It has appeared on by credit report. How Many times does XXXX Get to play this game? 
This time " XXXX '' Is now the Collection agency XXXX. 
XXXX ( XXXX ) XXXX XXXX, MT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
USAA and XXXX XXXX  were reluctant ( decline ) to give me the third option of getting out from my forbearance. 
These are the option : 1. ) lump sum payment.

2. ) re-payment plan ( modification/re-finance ).

3. ) to put due amount ( 3 month of forbearance ) to the very end of the loan. 
My loan is a VA type of loan in the first place. 
USAA/XXXX XXXX denied me of the third option which I'm specifically ask/requested before the forbearance started in XXXX. 
I'm willing to get back to normalcy of payment but they're forcing me to take the second option which I didn't approved. I ask for the third option in the first place from the very beginning of forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: BB&T CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am am making payments on a weekly basis but yet they call from various numbers several times a day even after I make a payment when promised. Regional acceptance auto is the company

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 2016-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I had a CapitalOne 360 checking account which I used for withdrawing cash for foreign travels. This checking account was used purely for that propose ; I would deposit funds occasionally on a needed basis. Several months ago, I phoned in the rep told me that if I open a savings account and deposit {$50000.00} and I would get {$500.00} bonus. I remembered that I was told that the funds need to come from an external source and I am certain that I was told specifically that the funds needs to be deposited to the new account directly ( otherwise I would definitely do that since the sole reason for me to open the savings account was the bonus ). I had direct deposit linked with my primary bank and so I transferred the fund to CaptialOne 360 checking account and then to the savings account. This to me followed the requirements called for the bonus. But now, Capital insisted that because the fund did not deposit directly to the savings account, it does not qualify. I have tried to reason with a supervisor as well as through their customer satisfaction department ; both declined to honor their original offer, citing that it does not meet the requirement. I felt this is an un-ethical practice they designed to scam the consumer. They provided no written statement ( paper or email ) about the requirement and simply mentioned it vaguely over the phone. Then their plan to decline any of such promise since most consumer will likely not qualify. I would like to see the payout vs declined ratio and see if they actually tried to game this. To me, the bonus is one thing but I felt this bank has no integrity. I would appreciate if appreciate action be taken and stop CapitalOne from any further fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: Carma Enterprises Inc
State: NV
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
hi my problem is i took out a loan with las vegas fiance and when my due date came up i got a garnishment on my check by a deby collecter so i talk to las vegas fiance and told them that i wasnt going to be able to pay them right now because my check got garnish and they were like how much is the other company garnishing you right now and i was like XXXX percent then they told me that there were going to then take the other XXXX percent of my check because they were going to garnish me also. I know i took out a loan and im going to pay it its just i need a little bit of time

Company response to consumer: Closed with explanation