BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
Company: Block, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Cash app has been discriminating on my account they are denying claims when I make them and tell me they have no further information! They dont even investigate the dispute! I disputed a XXXX transaction and WON I have no account with XXXX and cash app has been proven it and refunded me and then we didnt catch it till I was doing my taxes well I reached out and they denied my claim with out investigating a few days later! They have been doing this with account for a long time they wont believe me and immediately refuse to accept claim and wont give me reason why what makes it very obvious is here we have a dispute I won against this merchant and I have offered merchant number emails and most importantly of all cash agreed with me about the XX/XX/XXXX transaction when I filed dispute but yet now denied XXXX transaction it makes no sense I have no open XXXX account! XXXX will verify I am not that account holder! I did not authorize any payment I have been in and out of hospital for last two years I have emails my email and personal information was compromised but again most importantly how can cash app deny the 2nd claim when first one was proven I did t do it and have no account with XXXX I feel like they didnt even bother to look for some reason they been discriminating against my account! I have asked them and told them its my right to know how and when they investigate it?! When its right there and I won XXXX dispute I have no account with XXXX NO ACCOUNT WITH THEM! And they know this cause I won XX/XX/XXXX dispute transaction!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: MT
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 have contacted both XXXX XXXX XXXX  and Equifax to remove errors in my credit report many times and they will not remove this account from my credit report. XXXX XXXX XXXX  has verified this as being correct. 

This account is Account Number as it appears on my Equifax Credit File dated XX/XX/XXXX Confirmation # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX : XXXX. 

The Opening Date on this report shows XX/XX/XXXX. I filed XXXXXXXX XXXX  XX/XX/XXXX. I did not open this account. ( Error 1 ) Date of Last Reported Update was XX/XX/XXXX ( Error 2 ). There was no loan made with XXXX XXXX XXXX  ( Error 3 ). This was 24 days after the XXXX XXXX was filed. XXXX claims this was charged off ( Error 4 ). Months Revd 75 This was not a 6 years loan ( Error 5 ) .Activity Designator Paid and Closed, If this was Paid off was was it a charge off ( Error 6 ) Account History shows payments starting XX/XX/XXXX to XX/XX/XXXX Date of last payment was XX/XX/XXXX - 4 months of difference?????? ( Error 7 ). Date of 1st Delinquency XX/XX/XXXX - Date XXXX XXXX. 1st Reported XXXX/XXXX This is 6 years LATER ( Error 8 ).

High Credit Limit - Missing Information ( Error 9 ) Credit Limit - Missing Information ( Error 10 ) Terms Duration - Missing Information ( Error 11 ) Actual Payment Amount - Missing Information ( Error 12 ) Balance Amount - Missing Information {$0.00} ( Error 13 ) Scheduled Payment Amount - Missing Information ( Error 14 ) Date of Last activity - XXXX Incorrect - ( Error 15 ) Charge off Amount {$0.00} - If this account was multiple years old and charged off why is this amount {$0.00}? ( Error 16 ). 
This account has been verified by XXXX XXXX XXXX. By law FCRA section 609 and 611 requires XXXX XXXX XXXX  and Equifax to report information accurately or remove the account from my credit report. 16 Errors are visible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
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 the Authorized Representative for XXXX XXXX has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. 
I do not owe any debt or any alleged debt. 
I also refuse to be an implied surety/debtor. 
These are few of many violations done on my good name ; which breaks the law. 
NOTICE TO CEASE AND DESIST stop all COMMUNICATION any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the consumer report ( bearing Information regarding the alleged debt ) See XXXX XXXX XXXX ( c ) See attachment with cease and desist request : 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 2023-05-08
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-11
Company: SLM CORPORATION
State: NY
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:
XXXX are up to date for the past 11 months and credit reports shows 90 day past so and affixing my XXXX  score and ability to refinance the loans

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: V and H Portfolio
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 am pretty sure if i received any mail from Vance and Huffman. I would have acknowledged it by now. But I havent nor have I heard of them. I am giving them the opportunity to reach out to me. But they seem to be repeating the same thing multiple times, but has yet to provide me with a telephone number. To their office nor have they issued me out documents that I supposedly signed. My only problem here is the company is standing firm with everything they have stated so far. So why not provide me with a number to speak to me directly. I need details to when the account was actually opened. They keep insinuating that I have a XXXX XXXX  account so provide me with details

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The debt was dated back in 2014 but the company says it current. I notified the company that the card was stole back then. Im not sure why its still on my credit. The company has been harassing me with court dates and false documentation about this debt. I ask them to give me the original documentation on this account and they still havent provided me with the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 would like to begin this letter by thanking your company for the many years of great service I experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 



There was a period of time where the world was going through a hardship due to covid. I always tried to my best to get every payment to you on time but there was one payment that was received and reported as 30 days late back in XXXX, XXXX, XXXX of XXXX. Before that hard time and ever since I continued with my timely payments. 



These late payment is extremely damaging to me in a lot of ways, mainly it is hindering from accomplishing other financial goals and my chances to receive a qualification for a mortgage. 



I am asking you and your company for a goodwill request. I have maintained a good paying history with you, with just that one exception and I ask for you to please eliminate the late payment with the credit bureaus by filling out Universal Data Form and faxing it to the credit bureaus that you report to. 



I am pleading with you to honor my request, which would mean so much. Please take into consideration what a good customer I have been. 



Thank you in advance for taking time out of your undoubtedly busy schedule to read over my letter. 



Respectfully yours XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 these Accounts have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-17
Company: Westlake Services, LLC
State: FL
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:
my husband paid {$220.00} on XX/XX/XXXX Westlake financial services he had to pay via XXXX because they said their XXXX  system was down. The payment did not post and they showed up at XXXX oclock in the morning the following day XXXX XXXXand repossessed our vehicle, they took the vehicle XXXX miles from our home and we were forced to pay $ XXXX top of the XXXX not including the XXXX dollars in gas for both vehicles to get where we need to go to bring the vehicle back because they wrongfully repossessed our car and it was even admitted by XXXX different supervisors. They also told us that if we paid the amount immediately that we were able to go down and get the vehicle, but they would not give us the details of where the vehicle is being held until we paid that amount we had to wait XXXX days to get the vehicle after that which we were intern, charged interest and fees for As well. we were also told if we paid the amount almost amounting to {$1000.00} that everything was caught up and no further issues what happened and they credited our account and then took the credit back now they are reporting to the credit agency that our payment is 32 days late, which is severely incorrect and I want something done about this company on our way to pick up the vehicles. I looked up the remarks on the XXXX XXXX XXXX in there are XXXX complaints for the same issue. I have also filed a report with the state attorney generals office whom I spoke with XXXX and he also told me that there are thousands and thousands of complaints with regards to Westlake financial services. They need to be shut down if I have to hire an attorney and file a class action lawsuit and a personal lawsuit to get my money back for their unlawful acts I will. This is not OK and something needs to be done about it as being without my car, put my son who is XXXX  health at risk amongst putting us in a financial hardship, which we should not have been put in

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im not sure why Im getting this letter, I dont have an account with this company. Im a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have reached out to all 3 Credit Bureaus several times asking them to look into and verify the inaccurate information on my credit report. Each time I have been told that everything is accurate and verified. I did a thorough research myself and found improper inaccuracies on the credit report after they stated they did their research. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX. ) Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A., States I have the right to privacy.

15 U.S.C 1681 section 604 A., Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Support Collectors, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I attempted to order a cashiers check which can only be done online on the Capital One website of mobile app. Neither of these options were functional ( kept receiving an error message saying We ran into a snag. Please try again later. Customer service was unable to help resolve the technical issues. I tried to wire transfer funds to another bank and the website wouldnt allow that either. I asked the customer service manager to wire the funds for me so that I would have access the funds same day and she instead did an ACH transfer so now I dont have access to the funds until they clear the other bank. 

I was given wrong information and I dont have access to my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$730.00} ; XXXX XXXXXXXX Balance Owed : {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Team, I am writing to appeal the suspension of my PayPal account, which was blocked immediately after I registered for it. I have not yet had the opportunity to use the account for any transactions or activities, so I am not aware of any policy violations or suspicious activity on my account that would warrant such a decision. I kindly request that my account be reinstated and that I be provided with an explanation for the suspension. 

As a new user, I was looking forward to using PayPal for my online transactions and I am disappointed that my account has been suspended without any explanation. I am confident that there has been some mistake or misunderstanding, and I hope that you will take the necessary steps to review my account and reinstate it as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: WELLS FARGO & COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Between XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXX  which involved me making deposits for a total amount of XXXX, XXXX USD from my Wells Fargo account to fraudulent investment firm ( 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 2022-11-14
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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX {$66.00} ; XXXX XXXX XXXX  : {$73.00}.

Company response to consumer: Closed with explanation