BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: MI
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:
I don't even know where to begin. I've been dealing with XXXX Mortgage since 2021 to try and have them resolve a mistake on their end and its still not resolved. They sold my mortgage off to another mortgage company and never closed my account properly which affected my credit scores dramatically. I already filed a complaint with cfpb once about 6 months ago and XXXX claimed they were going to work on correcting the issue and still has not been resolved. I am not surprised it hasn't been fixed considering the experience I had with them. I have everything documented like my lawyer advised me to and am still waiting for them to fix the incorrect information they reported to the credit bureaus. Please look at complaint number XXXX for more information regarding this issue that I filed before. I will not stop filing complaints until this issue gets resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I used my Home Depot card to finance my new roof including materials and installation. The roof is leaking causing water damage inside and outside my house so I contacted Home Depot. They told me to contact XXXX Warranty Claims Dept which I did and as requested sent XXXX shingles purchased from Home Depot. In XX/XX/2023, XXXX for Claim No XXXX said there is nothing wrong with the shingles and the damage was caused by the installation of the roof. XXXX told me they would contact Home Depot. I have not heard back from XXXX or Home Depot. The roof is guaranteed for 16 years.

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 2023-09-09
Company: Block, Inc.
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
This is for a transaction on XX/XX/XXXX at XXXX, I was notified by CashApp text that my PIN number had changed. I immediately tried to call them and a recording said I would have to message them on their app. While waiting on hold, I locked my card but also was notified the {XXXX} was removed from my account. After speaking to a rep, via chat, they advised that there was an attempt but the wrong PIN number was used. I filed a dispute and was assured by the multiple reps I had spoke to over the phone at a later time as well as the one I was chatting with, said my money would be returned. To this day, my money was never returned even though it was an unauthorized charge. Please help with this issue. My CashApp is $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was buying a XXXX XXXX on XXXX ( do not recommend using ) and this seller said he would sell me it for XXXX XXXX but I never got it, so he ran off with the money, never responded to my chats on XXXX, and cash app support did absolutely nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
n accordance with the Fair credit Reporting Act XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States that i have the right to privacy. 15 U.S.C 1681 Section 604 A. It also states a concumer 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 2022-08-22
Company: EQUIFAX, INC.
State: FL
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:
EQUIFAX is in violation of the 15 U.S.C 1681. I am a natural person. I am a living human being and as a consumer, I have rights under 15 U.S.C 1681. 

Equifax is govern by 15 U.S.C. and has violated my rights numerous times. 

I demand the following : 1. Accounts listed below to be REMOVED/ DELETED IMMEDIATELY 2. For EQUIFAX to ADD A BLOCK that will prevent the accounts listed below from being added back into my credit report. 
3. REMOVE / DELETE ALL inquiries ( hard and soft ) I DID NOT GIVE ANY WRITTEN PERMISSION TO EQUIFAX to furnish any of these accounts nor to add any inquiries in my credit report. 

XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX My request is made because according to 15 U.S.C 1861 : I have the right to privacy 15 U.S. Code 1681 - Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Venmo froze my account without any explanation other than what they are claiming is " apparent fraud '' on the account. This occurred after I accumulated a {$3000.00} balance in the account from rent reimbursement from an associate. Once I attempted to transfer the {$3000.00} to my XXXX XXXX bank account ( Which has been linked to my Venmo account for years ) the account was frozen. I no longer have access to these funds and have attempted to resolve this by calling Venmo. 

After eight business days of my account being frozen, and after multiple attempts to resolve this issue directly with Venmo via phone calls and emails, I have no choice but to report this to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-07-28
Company: ALLY FINANCIAL INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On thursday the XXXX of XXXX ally repossessed my vehicle with out any notice they refused to give me information to retrieve my personal belongings from said vehicle or even tell me where its located i have called to request said info multiple times with no success some of the items include a carseat XXXX XXXX tablet check book and other items

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 2022-06-28
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: LEXISNEXIS
State: NE
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 have a bankruptcy on my credit report that keeps showing up as verified when its not. i never filed bankruptcy and nobody will give me documentation of proof. my social doesn't match, address and phone number doesnt match. my phone number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Although I usually pay my balance in full every month, My Capital One Venture Credit card was not paid in full on XX/XX/2023. The next month I was charged an interest fee for the balance owed ( as expected ). My XXXX payment was paid in fullthis included new charges as well as the previous owed amount. In XXXX, my bill include an interest fee of {$8.00}. When I called Capital One, I was told that it was there standard of charging interest on an unpaid balance ( even though that balance had been paid in full ) for two consecutive months after the amount was paid. I told them that was robbery and refused to pay it. The agent told me as a one time courtesy, she would remove the XXXX charge. However, since it was a 2 month fee, my next bill would include an interest charge. 

Now if I were still carrying a balance, I would expect to incur additional fees. However, when a balance is paid in full, there should be no fee attached to that balance. This should be against the law! They have arbitrarily decided to charge an interest fee on a paid balance. This is stealing expecting the consumer wont notice or complain. Well, Im complaining! This practice has to stop!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I randomly received a Mastercard fro Comenity Bank that I never applied for so I called to close the account. I was told I would receive an email confirming the closure but never received it. I called the same phone number to confirm. It was closed and the verbal league confirmed that the account was closed. Couple weeks later I received an American express bread rewards card from Comenity that I never applied for with a {$6500.00} credit limit. I called the XXXX XXXX number listed in the paperwork and an automated message Stated that they can not assist me until after XX/XX/XXXX And then disconnects the line.. Today is XX/XX/XXXX And I'm still getting the same message with an immediate disconnection of the line. There are no other phone numbers to call and quick search on the internet gives the same phone number. It is not allowing me any other options to close the account or to even talk to anybody. This worries me deeply that I can get random credit cards in the mail with No Idea where they came from or How they got my information Without my knowledge or approval. I want the account closed. I don't trust this bank. I don't want them to have any of my information. I don't want them to reach out to me for anything but to close this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 UNAUTHORIZED HARD CREDIT INQUIRY.

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 2022-06-28
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates. 

I need your help to have this item removed from my credit report as soon as possible, please. 

Thank you, 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 2022-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I demand that the following accounts filed be deleted all collection efforts cease and any information about this account files sent to credit agencies bureaus be removed immediately! 

XXXX XXXX ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} BACKRUPTCY XXXX XXXX  BANKRUPTCY REFERRENCE # XXXX XXXX AMOUNT : {$0.00} INQUIRIES NOT AUTHORIZED XXXX : XXXX DATE ; XX/XX/XXXX XXXX  DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE:XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX INQUIERIES NOT AUTHORIZED XXXX ; XXXX XXXX DATE : XX/XX/XXXX XXXX  XXXX DATEXXXX XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXXXXXX XXXX  DATE ; XX/XX/XXXX XXXX DATE ; XX/XX/XXXX XXXX XXXXXXXX XXXX DATE ; XX/XX/XXXX INQUIRIES NOT AUTHORIZED XXXX : XXXX DATE : XX/XX/XXXX CAPITAL ONE AUTO FIN DATE : XX/XX/XXXX XXXX XXXX  DATE ; XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX CAPITAL ONE AUTO FIN DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXXXXXX XXXX  DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE ; XX/XX/XXXX XXXX XXXX XXXX DATE ; XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX  DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX  DATE : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I used Paypal to send money for a product/service I thought they were selling. They made me believe they were having issues with one account to receive the money so they gave me multiple other accounts to try and said they would refund my money. The person I sent this money had multiple accounts but I believe is the same person. They scammed me into thinking I was getting a product or service that I never received. I believe the accounts associated that I have sent money to have illegal activity associated with them and I believe they are committing fraudulent activity. What steps can I take to help investigate them and or try and get a refund?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: MI
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:
I mailed 2 disputes to the 3 credit bureaus last year on XX/XX/XXXX and XX/XX/XXXX. This year, I mailed 2 more disputes on XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX I have yet to receive one single response to the dispute letters I mailed out from Experian, XXXX, or XXXX, with 1 exception. XXXX sent me a letter saying that they applaud me for working on my credit but, they don't believe that the dispute was sent from me... who else would it be sent from. I'm tired of these stall tactics, these companies are blatently violating the FCRA law.

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 2022-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a call from capital one asking if I tried to open a new credit card account for a large amount on XX/XX/22. I let them know that I didnt they agreed to remove it in 60 days, told me to call the credit bureaus. I put a fraud alert on my reports & XXXX had me file a report here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
I sold a property. The closing attorney paid off the balance with Wells Fargo on XX/XX/XXXX. As of XX/XX/XXXX, Wells Fargo still lists the balance as unpaid and filed a XXXX  day late report with XXXX and XXXX. I disputed this fact. But Wells Fargo reconfirmed that the full balance is still owed. However, I am in possession of a XXXX statement and a letter from Wells Fargo stating that the account is closed. I tried to dispute the reports again, submitting this information to no avail. The bureaus responded that the investigation is closed.

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 2022-11-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I ask new card and never received.

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