BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-16
Company: ADP Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX, I was making a purchase at XXXX XXXX XXXX {$15.00} and as I put my payroll debit card ending in XXXX in the device and the register froze. The cashier advised me that the purchase did not go through and to reenter my debit card so I chose to use another card ending in XXXX. Five day later, I noticed a purchase was approved on my debit card ending XXXX, which is my wisely payroll debit card that I used in the beginning. I called wisely to dispute the charges which I did not agree to, and was told that I will receive a form in the mail to dispute, however, a letter was sent to me but no form attached. Wisely payroll has been giving me a lot of problems as far as forms being sent l, disputing the charges, and a hassle not contacting the merchant. On XX/XX/XXXX spoke to manager at XXXX 's and had corporate forward a copy of the charges that were made on XXXX and have no record of any charges on my debit card ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: CORELOGIC 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:
I am writing to express my dissatisfaction with the way in which this reporting agency have been handling consumer disputes and challenges. I believe that they have been sending out form letters in response to many of these submissions, regardless of the specific information that has been provided. This is a clear violation of the law, as each dispute and challenge must be addressed individually and on its own merits. 

Furthermore, I have reason to believe that the consumer reporting ageXXXX may be delaying the processing of letters from consumers based on the assumption that help from a third party may be available. This too is illegal, as there is no legal exception to allow for such delays.

I would like to state for the record that I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. It is important to note that there is no law that requires a Power of Attorney in order to delay processing letters from a consumer urge you to take prompt and appropriate action to address the concerns raised in this complaint.

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 2023-04-06
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Today on XX/XX/XXXX I received a message on XXXX stating what's wrong with my cash app with profanity I was stunned to realize what is actually happening here since I have not been able to use my cash app account for going on a full month how on Earth has cash up allowed other individuals to access cash app through my name and I am the account owner and I do not even have access or am able to use cash app this is complete negligence on cash apps doing cash up close my account a month ago I reached out a month ago to cash up stating that I am not able to get inside two of my business cash app accounts which cash app ignored my concerns and just closed my personal cash app account that is when I had no access to no cash app account. Below I have attached messages from a hacker that actually reached out to me cussing me out calling me a XXXX calling me XXXX all because of cash apps negligence

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, 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 report act, this creditor has violated my rights. Under 15USC1681 section 602 states, I have the right to privacy. 15USC1681 section 604A, section 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

Accounts in violation are as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: CT
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:
Equifax Consumer Relations continues to report inaccurate information on my credit file, Account # XXXX XXXXXXXX XXXX, The Statue of Limitations has expired on this account and must be removed from my credit file immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
15 USC 1681 602 states that i have the right to privacy.

15 USC 1681 604 A section 2 : it also states that a consumer rights furnish an account without my written authorization or instructions. 

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

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 2023-04-07
Company: GUARANTEED RATE INC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My husband is a 100 % total and permanent XXXX veteran ( through Veteran Affairs ) and we are 100 % exempt from paying property tax in the state of Florida. ( We are only required to pay XXXX XXXX taxes ). Our property tax bill was sent to our mortgage company and paid in XXXX. We had been paying approximately {$3800.00} to our escrow account for the yearly taxes until we could get the bill from the county. They apparently sent our escrow refund check XX/XX/XXXX and we have yet to receive any of that money. I keep getting blown off when I call being told " it takes XXXX  days to receive this check ''. We also can not get them to re-do the escrow analysis to reflect that we do not pay property taxes, thus reducing my monthly mortgage amount by quite a bit. I keep getting the run-around from them and now and being told that it can take XXXX  days to cut the second check which they've requested to be overnighted via XXXX. Not sure how an overnighted check takes XXXX days to get to me when it was originally requested XX/XX/XXXX. That's ridiculous. They also will not work with me to get my escrow re-analyzed so I can reduce my monthly mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: KY
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 explanation
Consumer complaint received 2023-01-13
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Navient XXXX is no longer a student loan provider, and the amount that should have been dismissed as of XX/XX/2022 is still partially on the list of loans at the Department of Education. There is still a remaining amount of {$16000.00}. I have also not had any success contacting them to fix the error either. The settlement entitled " Navient XXXX XXXX XXXX '' advises of the removal due to suspected predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TrueAccord Corp.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent the collection agency True Accord a cease and Desist letter which included the law ( 15usc 1692c ) on XX/XX/2023. I received communication back that they received the communication on XX/XX/2023. But yet I am still receiving communication from True Accord. I spoke to a representative on today at XX/XX/2023 at XXXX XXXX  who verified they received the communication on XX/XX/2023. Also she updated the system. I also spoke with the original owner of this account XXXX  XXXX  regarding this matter and they supposedly submitted a complaint up stated this action is unacceptable. I spoke to 2 nice representative regarding this unacceptable matter. They texted on XXXX XXXX, XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; and XX/XX/XXXX XXXX via text. Also XX/XX/XXXX via email. This is willful non compliance ( 15 usc 1681n ). They are harassing me and I'm stressed out this is causing emotional stress. This is real ridiculous and inconsiderate of this company and I think this needs to be handled accordingly.

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 2023-04-06
Company: Block, Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2023 til recent refuse to dispute bird ride unauthorized transaction and more XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: CORELOGIC 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:
I am writing to express my dissatisfaction with the way in which this reporting agency have been handling consumer disputes and challenges. I believe that they have been sending out form letters in response to many of these submissions, regardless of the specific information that has been provided. This is a clear violation of the law, as each dispute and challenge must be addressed individually and on its own merits. 
Furthermore, I have reason to believe that the consumer reporting agency may be delaying the processing of letters from consumers based on the assumption that help from a third party may be available. This too is illegal, as there is no legal exception to allow for such delays.

I would like to state for the record that I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. It is important to note that there is no law that requires a Power of Attorney in order to delay processing letters from a consumer urge you to take prompt and appropriate action to address the concerns raised in this complaint.

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 2023-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 was significantly overcharged on my Capital One credit card for a taxi fare while traveling abroad in XXXX XXXX. I almost immediately disputed the charge and Capital One opened an investigation. The merchant did not request my signature and would/could not provide me a receipt and the time of transaction. The agreed upon fare and what I was shown on the handheld card reader was XXXX {$700.00} ( XXXX {$40.00} ). Later, the charge appeared on my card at USD {$290.00}. After my unsuccessful attempt to settle the dispute with the merchant, Capital One claims the merchant was able to provide proof of payment - a signature. I never provided a signature, and Capital One will not provide me with documentation of this forgery. I then submitted a formal written complaint explaining the incident to Capital One and was nearly immediately rejected. There has been a complete disregard for consumer protection. My request to replace my account number for fear it's been compromised have gone unanswered. And the original date of the transaction was XX/XX/2023, and this dispute has still not been resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-01
Company: Experian Information Solutions 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/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 2023-08-14
Company: The CBE Group, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been a customer of spectrum Internet for over a year and I stopped using the service in XX/XX/2022. I canceled the Internet because I was moving out of my rental property and I paid the last months bill and everything come to find out I just checked my credit report and they have a collection up on my account for {$50.00}, when they told me that I didnt have to pay anything so I already paid it. They are spreading false information that is incorrect and damaging to my credit report. I want remedy for them posting negative items on my account without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: TX
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:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 explanation
Consumer complaint received 2023-04-07
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NATIONAL CREDIT SYSTEM Is reporting I owe them and have been reporting this for a while I dont owe them anything this is false information being reported on my report reports ( XXXX, XXXX XXXX and XXXX XXXX ). Under FCRA Code 609 & 611 Id like for this to be removed from my credit reports immediately. The name is wrong address is wrong etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: MO
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 XXXXXXXX has been reported as late payment. My account has been closed since XX/XX/2022, and the alleged debt is in dispute. 
15 U.S. Code 1681a ( 2 ) ( 1 ), the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the reportXXXX XXXX XXXXXXXX is the person making the report. My transaction is my payment history for an alleged debt. 
The term consumer means any natural person obligated or allegedly obligated to pay any debt. 
A person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity 15 U.S. Code 6802 ( a ) XXXX XXXXXXXX XXXX not, directly or through any affiliate, disclose to a nonaffiliated third party, that is Experian any nonpublic personal information, unless XXXX XXXX provides or has provided me a notice that complies with section XXXX of this title. I did not receive a notice from XXXX XXXXXXXX, regarding disclosure of my information to Experian. 
15 U.S. Code 1681 ( a ), As determined by Congress, Experian is violating the accuracy and fairness of credit reporting of my information. Experian is not exercising their grave responsibilities with fairness, impartiality, and a respect to my privacy.

Due to Experian negligence of the law, my rights as been violated under 12 CFR Part 1002 of the Equal Opportunity Act ( Regulation B ) that protects me from discrimination in getting credit, this as done harm to me and my Family. XXXX  XXXX as no standing to report a late payment to Experian, and they are now disclosing to other third parties. Which is in violation of my consumer protections given to me by 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 2023-06-01
Company: Experian Information Solutions Inc.
State: IL
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:
Experian has came back to me and said the XXXX XXXX account # XXXX has been verified but it is inaccurate there is no such account with XXXX or XXXX under XXXX XXXX which is the Fair Credit Reporting Act ( FCRA ) section 611 sub section 5a it states 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


The above account with said credit agency is not valid i demand this account be removed from my credit report immediately

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 2023-01-09
Company: EQUIFAX, INC.
State: CT
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, 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 discovered inaccurate information reporting on my Equifax credit report and disputed it. On XX/XX/2023, I requested an online dispute, via Equifax Dispute center and was giving two conformation # XXXX, XXXX and told that an investigation would be taking place. On the same day Equifax Information Servies claims to complete and verify 1of 2 of my disputed accounts less than a couple hours.

Company response to consumer: Closed with explanation