BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-05
Company: Block, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I am having issues with my Cash App Account that my SSA direct payments go into, which can not be resolved by Cash App or their Support Team. On several different occasions money has been paid out of my account for purchases I never authorized or received. When contacting Cash App Support via phone or through On line chat I was informed that, Cash App has no information on the Merchant 's Information for me to contact that was paid out of my account. Therefore making it difficult for me to dispute transactions or be reimbursed for the Fraudulent charges taken out of my account. When disputing transactions I was denied being reimbursed for funds taken fraudulently, although it was clearly a glitch within " Cash Apps platform and not on my part. Here are the dates and charges that I have never been given any information on to dispute with Merchant 's or was denied being reimbursed for : XX/XX/2022 XXXX payments made with only XXXX pin verification code entered for & XXXX twice at exactly the same time XXXXXXXX XXXX although Cash App doesn't offer that type of payment being made in their system. XX/XX/2022 paid {$90.00} to fraudulent person claiming to be my Sister on Messenger needing Xmas money for my XXXX XXXX XXXX XXXXXXXX Stated her Cash App card was lost and could I send through her friend 's account which I did. Found out she had been hacked and person posing as her along with other people 's identifies, to steal money through Cash App platform. I alerted Cash App Personal immediately to Scam yet never heard anything back about the Scam or received my money transferred to fraudulent account within the Cash App. Structure. XXXX XXXX {$100.00} paid XX/XX/2022 without my authorization, XX/XX/2022 XXXX XXXX paid {$100.00} without my consent don't even know such a person. Was told my pin was entered at time of payment, therefore I am responsible although I didn't know that person or send the payment with my knowledge. Those are just a few out of many others that have been paid without my consent, knowledge or authorization. Are these common practice 's of all Financial Institutes or are they in violation of the laws that the FDIC and OCC have put in place in order to protect consumers from these type of practices?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: GA
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 of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 explanation
Consumer complaint received 2022-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Applied for capital one card through my work which was Walmart. Used the card one time for XXXX gifts. Later that month I tried to pay it and they said I didn't have an account with them and said I didn't owe anything. I called for the next two months, and they kept giving me the same answers. I never received a card. So, after a couple months go bye with still no help, I get a paper in the mail saying I owe a bunch of money and I have multiple missed payments. So, I call them about the statement I finally received, and they said there is nothing they can do to help with all the late fee charges even though I have called each month to try and pay them. They said for them to be able to help I have to give them my, Social Security card, bank info, birth certificate, and address. I said I didn't feel comfortable sending all that and asked for another way to resolve this because I just want my credit fixed and to pay the money I owe with no late fees. They give me different answers every time I call and say they can't do anything without all that info. So, until I send all of that information I DONT feel comfortable sending they will not let me pay my bill. I just want to pay what I owe, and they are not letting me and racking up late fees that are not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
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 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 fair credit reporting act XXXX  account # XXXX, has violated my rights.

15. U.S.C 1681 section 602 A. States I have 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: In progress
Consumer complaint received 2023-07-30
Company: Experian Information Solutions Inc.
State: NY
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, has violated my right.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section : it also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-12-05
Company: General Motors Financial Company, Inc.
State: MA
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:
There are multiple duplicate hard inquiries on my credit report. From XXXX XXXX through XX/XX/XXXX of XXXX. I bought a new car and I was told they were preforming soft inquiries. I understand upon completion of the loan that there would be a hard inquiry. I believe there are about 12 hard inquiries probably more in that time frame. Also there are duplicate inquiries, I didn't ask for my credit to be run that much. Also I think it is only right that at least the duplicates should be removed. It is literally like Americredit is on it 4 times. There is also a duplicate inquiry for XXXX  XXXX. Can you please help me get these inquiries removed?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
J.P. Morgan Chase sent me a letter in the mail stating that they are choosing to close my account and end the banking relationship. They request I withdraw my funds from my account by XX/XX/XXXX on XXXX XXXX. They did not provide a specific reason as to why my account is being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 non-monetary relief
Consumer complaint received 2023-11-29
Company: Affirm Holdings, Inc
State: MO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2023, I check my eligibility for an affirm loan with XXXX XXXX. I wanted to purchase and XXXX. It said I was approved for XXXX. It gave me three options : 0 % apr for 6 months, 10.84 % for 18 months, or XXXX for 36 months It said my offer expired in 6 days. I took a screen shot of the offer. I didn't check out because I wanted to see the bike in person before I purchased. I drove an hour to the dealer and after viewing the bike, agreed to purchase. I then used my phone to buy the bike online while in their store to use the affirm offer. The offer was no longer 10.84 % but 24 %. I put {$1000.00} down on the bike and purchased anyway since I had driven and didn't have time to come back. I also figured out that once I showed Affirm proof what they had offered, they would fix their mistake. I have called twice and spoken to two different representatives. The first man was no help and said he could not see the original offer. The second rep said they would not change the APR even though I have physical documentation of the original offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-09-25
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Upon the federal governments announcement of the ability to freeze my mortgage payments a few months into the Covid-19 pandemic, that is exactly what I did. I had recently returned to the country out of fear of being stuck XXXX without possibility of acquiring a new XXXX. I froze my mortgage payments because of the complete lockdown we were facing. As it turns out, its incredibly difficult to find a job when all businesses are forcibly closed by government mandate. I requested to exit my forbearance plan in XXXX XXXX XXXX. Roughly 5 months after my initial request, my loan was packed with approximately XXXX other VA loans and sold to XXXX XXXX. I was told my process wouldn't be affected and would be completed within 30 days. A full year later a representative from XXXX XXXX informed that nearly all of my documents that had been submitted had expired. Every document they have requested from me has been provided to them with 1 work weeks time. I routinely have waited 2-3 months to receive any information from them regarding my loan. XXXX XXXX serviced by XXXX, has failed to properly retain the documents I have submitted to them, failed to correspond with me regarding my loan in any form of timely manner, and at face value appears to be delaying this process as much as possible in order to prevent me from receiving the VA loan modification I had originally applied for. Their gross incompetence and general disrespect for me as a consumer has me searching for legal help in order to hold them responsible for their actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-11-30
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I asked the consumer credit reporting agencies ( Experian, XXXX, XXXX ) to please delete inaccurate information on my credit reports. The following dispute hasnt been deleted and came back verified information. According to law 15 USC 1681s-2, you are required to cease furnishing inaccurate information to consumer reporting agencies upon receiving notice of such inaccuracy. I am providing notice that the information that they provided is inaccurate and causing harm! IRS guidelines state that canceled debts should be reported as income not as debt on a consumer report. The definition of canceled debt as income is recognized by the IRS which contradicts the way this account is being reported. 

Accounts XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-06-08
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit Reporting Act XXXX These accounts has violated my rights! Account # XXXX, Account # XXXX, Account # XXXX, and Account # XXXX!! 

15 U.S.C 1681 Section 602 A. states that I have the right to privacy. 

15 U.S.C 1681Section 604 A. states that a consumer reporting agency can not furnish a account without my written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: IA
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 am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are some accounts that I don't recognized, someone stole my identity and obtained the unwanted negative items reported across the three Bureaus, XXXX, Experian, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have sent several letters asking Transunion to provide proof of these inquiries. I have also given them several calls. Transunions investigation is suppose to be 30 Days, it has been beyond 30 Days. I ask that the inquiries below be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: WI
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:
According to FCRA 15 USC 1681 credit reporting agencies have to report 100 % fair timely and accurate information. I have since sent in correspondence to the bureaus to remove the inaccurate information and they fail to correct and error as well as remove any account they have yet to verify being mine all accounts are alleged, I have no knowledge of said of accounts and they cant verify anything yet they continue to report it. The dates aren't accurate the payments aren't the same, nothing matches up on my report with these alleged account. They need to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-25
Company: Unifin Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a Collection Letter Dated XX/XX/2022 from Unifin , Inc. Claiming that I owe an original Amount of {$2000.00} from XXXX, that was according to this letter is currently with XXXX XXXX XXXX XXXX. I disputed this debt years ago with the original creditor and XXXX. It was found in my favor years ago, XXXX did not authorize a return. I was then years later harassed by XXXX XXXX about this debt. I filed a complaint and the collection stopped. Now Years later I am now getting a collection letter from UNIFIN about this XXXX Debt that I do not owe. I demand all attempts to collect immediately Stop. As per the letter, I am hereby filing a dispute by XX/XX/2022. I demand any negative reporting of this debt be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: ENCORE CAPITAL GROUP 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:
On XX/XX/2022 i opened a credit account. Both my XXXX and XXXX are reporting a collection as an " open account '' which is not an open account and is under FCRA compliance. This is inaccurate reporting and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Experian Information Solutions Inc.
State: UT
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:
EXPERIAN is reporting inaccurate information on XXXX. The account has been re-aged or the information is inaccurate of date of delinquency. The account deletion is stated for next month for XXXX on XXXX. Experian has the record being reported until XX/XX/2028. The record is inaccurate therefore this is a FCRA violation therefore immediate removal is requested.

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 2022-12-05
Company: CCS Financial Services, Inc.
State: AR
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 collections on my account that do not belong to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation