BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXXXXXX 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 2023-03-02
Company: FISERV INC.
State: MO
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2023 by account was emptied in less than an hour. A total of 24 out of 39 transactions got approved for the amount of {$2000.00}. None of the transactions were made by me. Among the transactions there were 9 scooter rentals, 10 restaurants and a XXXX transaction for {$1200.00}. I realized that this happened within two hours when my card got refused at a gas station.I called right away and I was told that I had to wait for the transaction to be officially authorized, at the time there were in pending status. On XX/XX/XXXX some of the transactions went through and I opened a dispute over the phone. On XX/XX/XXXX, I was told that I do not need to open another dispute for the rest of the transactions that went through. On XX/XX/XXXX, I submitted the dispute form with all 24 authorized transactions. The dispute was denied and I was not notified. I called on XX/XX/XXXX and was put on hold 3 times for about an hour each waiting to speak to a supervisor. I was requesting information on how to file an appeal and how to communicate in writing in a timely manner, not just over the phone. The customer service representatives did not know how to send the denial letter with the information in it. I spoke to somebody named XXXX that stated that she would put notes to request detailed reasoning for the denial and that will take another 90 days before me possibly getting my money back.

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 2023-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act 1 ), has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Dave Operating, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XX/XX/XXXX, I signed up for an account with dave.com through their mobile app. They offer interest-free payday loans. 

On that same day I made a request for an advance of {$100.00}. Only then did I realize that dave.com has a membership fee. I immediately e-mailed dave.com Customer Support asking them to cancel my pending advance and to close my account. I provided all requested information to close my account, but I never received confirmation that my account was closed. 

On XX/XX/XXXX, my dave.com account was still not closed, and the company had sent me a {$100.00} payday advance. I tried to settle my {$100.00} balance and close my account, but the dave.com app advised that the platform was experiencing problems with XXXX XXXX ( my bank ). 

On that same day, I again e-mailed dave.com Customer Support demanding that they settle my account with funds that are in my bank account, and to then close my dave.com account. 

On XX/XX/XXXX, I received a response from dave.com Customer Support advising that XXXX XXXX no longer works on their platform, and that I can not settle my {$100.00} account balance using my bank account. There is no ability to add any other payment methods on dave.com, and I have begged Customer Support for another way to pay off my balance, but they have declined to allow me to pay off my balance. The company continues to charge me a {$1.00} membership fee every month as well, despite my demands that they close my account. 

At or about that time, I filed a formal complaint with the California Department of Financial Protection & Innovation. 

By way of correspondence dated XX/XX/XXXX, the California Department of Financial Protection & Innovation referred my complaint to the XXXX XXXX XXXX XXXX XXXX XXXX 

By way of correspondence dated XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX suggested that the Consumer Financial Protection Bureau is the proper agency with which to file a complaint. 

In summary, dave.com will not allow me to pay off my balance of {$100.00} because they stopped accepting all payments from XXXX XXXX ( my bank ), and will not allow me to add any other payment method. I have repeatedly demanded that my account be closed and membership be canceled, but dave.com will not allow me to do that. The company is holding me hostage by refusing to accept payment from me, and they continue to charge me membership fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX Midland Credit Management attempted to contact me about a debt that was not owed. The account number is XXXX. I have attempted to explain my federal rights to XXXX who is one of the account managers there. I informed him of 15 USC 1692k & 1692CA as I have never given Midland Credit Management consent to contact me and there is no time to discuss this debt. I also ask Midland Credit Management to cease and desist but wasn't taken seriously as they said they couldn't verify me when I provided my full account number and name. I also am requesting how they have been given my additional information under 15 USC 1692B. I am also requesting a visual contract I have with this company. I look forward to getting this resolved. Attached below is the documented conversation with, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-05-19
Company: Affirm 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: Information belongs to someone else

Complaint:
NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act 1 ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my second attempt writing you in response to your decision to close the dispute investigation for inaccurate late payments. I disagree with your decision because accounts are still NOT reporting 100 % accurately according to Fair Credit Reporting Act ( FCRA ) .The creditor XXXX XXXX and XXXX XXXX XXXX  are reporting different payment history on all three credit bureaus. These accounts are showing inconsistency and inaccuracy on my credit report that you failed to notice. How is this possible if by Federal law, everything on my credit profile must be accurate, and verifiable if not that information must be deleted. You have FAILED to conduct a proper investigation. 

Also, I NEVER received the option to opt out of disclosing my personal information to third party according to 15 U.S. Code 6802. This is a Violation to my consumer rights. I did not give the creditor written authority to include transactions nor payment history to any third party in accordance to FCRA and 15 U.S. Code 1681a.

Again, You have failed to conduct a proper investigation and the information is not accurate. Therefore, According to Section 604 of the Fair Credit Reporting Act Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

I am requesting you immediately REVERSE or REMOVE late payments from the following ; Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: WI
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:
The payment history on the accounts listed below are incorrect. These are all accounts with the US Department of Education. Accounts : # XXXX # XXXX # XXXX # XXXX They ALL are showing incorrect payment history. 
Account Number XXXX with a balance of {$6500.00} is showing as current with Charge Off history in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. Aside from this it shows no late payments all on time. This is INACCURATE. 
Account Number XXXX with a balance of {$2100.00} is showing as current in XX/XX/XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. The rest of the payment history shows XXXX off or 120 days past due. This is INACCURATE. 
Account Number XXXX with a balance of {$3800.00} is showing as current in XX/XX/XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. The rest of the payment history shows XXXX off or 120 days past due. This is INACCURATE. 
Account Number XXXX with a balance of {$4900.00} is showing as current in XX/XX/XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. The rest of the payment history shows XXXX off or 120 days past due. This is INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: DC
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:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2023 I sent the credit bureaus letters asking them to verify the debt on my report.XXXX and Equifax responded stating that everything is verified correctly. My credit report is still showing inaccuracies. 
I never got a response from XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681s2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I was a consumer with Wells Fargo regarding my mortgage from XXXX to XXXX ( when my loan was transferred. ) During my time with WF I had applied for home assistance, provided all required documents and was denied payment assistance.

In the beginning, when the loan was originated, WF loan officer assured me I qualified for a 30 year fixed; on the day of closing, XX/XX/XXXX, she called me hours before advising for some reason I only qualified for an interested only mortgage. I was upset as I was assured based on my credit score, and down payment I would get a 30 year fixed. 

As result of this type of loan I got behind and it was then I asked WF for payment assistance ; I was given the runaround, misinformation from different reps when I contacted customer service until the loan was transferred in XXXX of XXXX. As a minority homeowner, WF took advantage of me based on 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 2023-02-15
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: Public record information inaccurate

Complaint:
I Reached out to Transunion on XXXX to let them know that they are reporting incorrect information on me in regards to a bankruptcy. I filed a dispute with them and they have not removed this incorrect information. They tried to state to me that the account was verified throughout the courthouse. I have a written and signed letter from the U.S Department of justice district of California that states they did not verify any of this information nor do they report any information to the credit bureaus. I am attaching this letter I am also attaching delivery confirmation letter I sent to transunion in regards to this matter via XXXX. 

Transunion has violated my following rights in accordance with the fair credit reporting act 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 state consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer 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 non-monetary relief
Consumer complaint received 2023-02-17
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX. I went through the approval process, and I was approved on XX/XX/XXXX with a " Guaranteed of funds '' to the mortgage company. On XX/XX/XXXX, I received an email to bring my balance below {$65000.00} to have them pay the mortgage company. That was completed and proof was sent on XX/XX/XXXX. On XX/XX/XXXX, i received an email with a denial due to no deliquency. I called the homeowners assistance program to get further information and they advise me to call the mortgage company as the mortgage company had sent them information that I was no longer delinquent. I have had a balance since XXXX, I do not understand why they would claim that I am not delinquent. I have contacted the mortgage company multiple times and they claim to email the department that handles those requests and I have spoken to supervisors in regard to it as well and no resolution has been reached. They do not have any updates for me. Case # XXXX ( Homeowner assistance program ) Freedom Mortgage is my mortgage 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 2023-03-10
Company: DISCOVER BANK
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
DISCOVER acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX On XX/XX/XXXX I used an advertisement letter to open a credit card and I gave them my employer XXXX XXXX which was Not open when I called them after 6pm and they said wait a second to verify employment and a girl said " welcome to the family '' and she opened the acct up. My employer was never contacted and I have been on social security XXXX the entire time and since an illness in XX/XX/XXXX I was never in my RIGHT FRAME OF MIND as I spent credit limit by XX/XX/XXXX and DISCOVER has done everything to make sure I cant get out of debt, during stimulus deposits I PAID extra amounts and they swallowed it up in SERVICE FEES and every {$200.00} I paid I never had greater than {$25.00} over my limit in spite of this I got tired of paying extra and when I pay over {$97.00} minimum they give me {$44.00} and I am happy to pay {$55.00} a month in interest, then it went down to {$37.00} and this month XX/XX/XXXX they took {$73.00} in INTEREST and the acct is a negative {$48.00} for the FIRST TIME. They should have never iopened an acct w/o verifying my EMPLOYMENT and CREDIT in the first place

Company response to consumer: Closed with explanation