BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
Company: Block, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, my cell phone was hacked by someone posing as an XXXX XXXX representative. I called their number obtained from XXXX search. I was immediately asked to download an app, XXXX XXXX XXXX, to allow them to check my phone to determine why one XXXX XXXX and XXXX games were not working with my XXXXXXXX XXXX  account. 

Before XXXX, there were XXXX pending transactions ( {$100.00} received on XX/XX/XXXX and {$150.00} received on XXXX ) in my Cash App. I noticed that {$240.00} had been removed from my pending {$250.00} transaction. I immediately contacted Cash App XXXX to report what had happened and submit a claim. They investigated and determined that I had authorized someone to use my credentials. On XXXX, I contacted Cash App XXXX again and asked if I could share documents to substantiate my claim, but they never responded to that request. 

A follow-up complaint was filed on XX/XX/XXXX. There were XXXX other transactions pending deposits of {$100.00} ( received on XX/XX/XXXX ) and {$150.00} ( received on XXXX ), but neither of those was mentioned in Cash App 's response. I am requesting that these XXXX amounts be refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hi, I want to file a complaint against American Express about their misleading e-mail notification and misleading customer service response. It might be helpful to other customers who experience similar situations to consider applying an American Express Credit card. 

On XXXX XXXX I opened a XXXX XXXX Credit card which is the second credit card under my online account with American Express. The first credit card is XXXX XXXX XXXX. However, I was not aware that the auto payment was not set up in my new account and I never acknowledged that this account payment was overdue. 

There was never a mail or phone call to make me aware that my account was overdue, although they do have a lot of e-mails spamming my e-mail address with promotional offers. 

On XX/XX/XXXX, I found an e-mail saying my account was overdue but after I clicked on the email multiple times, it always redirected me to my old account which has XXXX in the overall balance. I thought it was a technical error but I proactively talked with an online agent, but the online agent cut off the connection and left me with no responses. 

On XX/XX/XXXX, I talked to customer service again and I realized the overdue happened on my new XXXX XXXX Credit card. The agent said, " Shall I process the payment for you and notate your account right away? '' and I responded, " I can set up auto payment on that ''. The agent then said, " Post that you will be all set. XXXX is indeed the best solution. '' On XX/XX/XXXX, I found the payment had not gone through with auto pay and I manually made the payment of {$1000.00} to avoid more troubles. 

Around XX/XX/XXXX, I was concerned about my credit score and I made a call to the American Express Credit Bureau department. The agent told me, that all penalties were waived already and the late mark would be removed from my credit report, and they asked me to check on XX/XX/XXXX. 

On XX/XX/XXXX, I found a late mark on my credit report and I made a call to the American Express Credit Bureau department again, but then I was told nothing they can do on their end. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Flexible Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
I was introduced to Flex Inc by my leasing office as a third party service that assists in paying your rent on time. I had used them without issue and they did not fail until recently.

I was alerted by Flex that I would need to self-submit payment on XXXX XXXX using their account information and had to do so again on the XXXX. I did as instructed and figured everything was good when my leasing office confirmed submission. 

However, I was surprised to receive a call from my leasing office two days ago to tell me that the ACH from Flex returned ( in other words the check bounced ). To summarize I contacted Flex at the request of my leasing office to ask that they correct this issue. I received automated responses but no live help. A representative named XXXX from flex said that they would try to resend the payment or refund my rent payment so I can pay it myself. I checked each day to find that NOTHING had been completed. NO REFUND AND NO SERVICE RENDERED. 

I have tried calling Flex through their number listed on the XXXX XXXX XXXX  website and even then was only able to submit a voicemail. This company seems to reach out by email once a day with the same response of : I can understand the frustration and anxiety this kind of situation may cause and we appreciate your patience. Yet there is no urgency to correct the issue resulting in late payments on your account. Even on their social media page they can not be reached and they will ignore you until they want to respond. I have even been blocked from responding on XXXX. At this time, I have demanded a full refund of my last payment and service fee. I will not be taking the chance of using this service again once I have been refunded. I have reviewed their app on the XXXX XXXX  warning others that if they intend to use this service please be aware that there is a possibility that they will leave you waiting for long periods without responses unless collecting a payment from you. It is imperative that to protect yourself from possibly having to borrow money and/or bargain for leniency on your rent. 

On XX/XX/23 I was contacted by XXXX after XXXX to inform me that Flex does not show that the ACH was returned. And they are asking ME to get proof from my complex instead of them getting this information. No one seems to know where my payment is but yet Flex was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: MRS BPO, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted the collection company, MRS BPO, after filing a police report on XX/XX/XXXX. There is an unpaid balance of {$910.00} owed to XXXX XXXX which was turned over to collections in XX/XX/XXXX. The police report case number XXXX was filed with the XXXX XXXX XXXX XXXX ) XXXX. Presumably, the account with XXXX was opened using my SS #.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted Experian fraud department on XX/XX/XXXX around XXXX EST. I advised them I had several credit inquiries that was not done by me I advised them of the fair credit reporting act and they would need to investigate these inquires and remove them. The customer service agent stated they are not allowed to do that. 


XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX 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 2022-06-13
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Binance US is not allowing me to withdraw money due to a " risk management issue ''. I initially tried to withdraw around XX/XX/XXXX. This was the first confusing part given there is no link as of how to resolve this issue. I let it sit for a few days, figuring something was wonky with their margin requirements. 

After trying again, a few days later, the mystery issue persisted. searched their site, and found no mention as well. As a result, I contacted support who gave me more information. 

I attempted to resolve the issue when given steps from their support, who asked me to state : " My name is [ First and Last Name ], today is [ Today 's Date ] my e-mail is [ your email used for registration ] and I acknowledge that I registered for a Binance.US account and I will be the only person with access. I confirm that I am logging in from a supported state. '' in a video. The support ticket was XXXX. 

Since submitting this request on XX/XX/2022, I have heard no response and have not had any access to transfer my money to my checking account. It is effectively illiquid at the moment. 

This is shady. To me, they make withdrawing capital extremely hard, probably due to volatility in the markets and their margin requirements. This is extremely anti-consumer and hurts folks who may need their money back within a reasonable ( 5-10 business day ) timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: MOHELA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loans were transferred to Mohela for Public Service Loan Forgiveness in XXXX. Upon review of my payment history, Mohela determined that I had reached my XXXX qualifying payments in XXXX of XXXX and my loans were forgiven. My bank records indicate that I paid 15 additional payments after XX/XX/XXXX, totaling {$2200.00}. These funds should be refunded back to me. I have been requesting this refund from Mohela since XXXX of XXXX receive a different explanation each time that I call. I have made formal requests for review through their phone service on more than XXXX occasions. On XX/XX/XXXX, I waited on customer service for over two hours, as I do each week since XX/XX/XXXX. I was told that each of my request for refund and formal review have been cancelled without explanation. I was then hung up on by the agent during the transfer, which has happened on at least five other occasions after being put on hold for hours. I'm requesting that my overpayments are addressed and returned to me without continued delay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-17
Company: NRA Group, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NATIONAL RECOVERY AGENCY PUT A COLLECTION DEBT ON MY XXXX credit reports And refuse To provide proof of the identity That this alleged debt belongs to! This debt is not mine and I have know knowledge of it Its now on my credit reports as of XXXX XXXX..They have to provide Debt validation proof And proof of the identity of alleged debt They have not provided anything And Without said proof This debt does not EXSIT It needs to be removed

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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Good Afternoon, I am writing today with the concern that the credit bureaus are ignoring my letters.. I sent them letters on XX/XX/2022 and still have not heard back this is not right. I have been waiting almost two months now for a reply from them about these incorrect items on my report and they still have not got back to me. these items that they have reported on my report are inaccurate and unverifiable and i need those items investigated and removed because this is negatively affecting my life and it shouldn't have been there in the first place, please help me with this matter and thank you for your time.

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 2023-12-08
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: EQUIFAX, INC.
State: CA
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:
As of XX/XX/XXXX XXXX reports my FICO score is XXXX. XXXX  then pulled the information from XXXX XXXX and Equifax. XXXX XXXX report at my FICO score as XXXX and the number had not been updated since XX/XX/XXXX. Equifax report of my credit score is XXXX and that information also had not been updated as of XX/XX/XXXX. Last week I went ahead and got a free copy of my credit score from XXXX XXXX and my score dropped to XXXX. There is NO reason for my score to drop to XXXX because weve had on time payments for almost 2 years. The problem is were trying to refinance our mortgage and this is Greatly hindering us. We had a really bad financial crisis from XXXX to XXXX. Weve had to settle debts and have worked hard to get a scores back up. XXXX  is the only agency that has raised our score considerably. Based on the information that XXXX  got from XXXX XXXX and Equifax those two score should be considerably higher too. XXXX XXXX is not and has not been updating our score accordingly. Therefore we have not been given credit for our on time payments which is keeping us from being able to refinance our home and lower our payment so that we can expedite paying off the rest of our debt. I feel that XXXX XXXX, whatever their model, is designed to keep people from progressing. The system is very flawed and it keeps people in a state of being poor. They can never progress or get better because companies like XXXX XXXX wont allow them to! So I would like an investigation done into XXXX XXXX & Equifax as to why our scores are so incredibly different than XXXX  when weve worked really hard to get our score back up, and we continue working hard to settle and pay our debts so we can be in a better place. There should be a lot more oversight on these credit bureaus. I filed a dispute with XXXX XXXX I never got a notification saying the dispute was settled in suddenly my score went from XXXX to XXXX. But that was after I told them that our mortgage servicer had deleted all of the missed payments. Until then no matter what we did our score never budged and that is a great cause for concern. Also I would very much appreciate it if you could send me some thing, some sort of law that specifically says that the credit bureaus are REQUIRED to report my bankruptcy for up to 10 years. The Fair Credit Reporting Act says that they May. I would like to get that removed in XXXX of this year. So I need some thing that says that they are REQUIRED by law to report. Because as far as my research has shown there is nothing that says if they are REQUIRED by law, it simply says that they May. Please provide the source, or cite the source thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I disputed missing a payment with Rushmore Loan Management. I sent my bank statements and asked them to review it. I wanted them to see I haven't missed a payment. Because of this issue more problems came about. I was charged late fees and interest payments. Also my PMI was going to be depleted on XX/XX/2023, however since they determined I am ineligible for early cancellation based on them stating I have been more than 30 days or 12 months past due on my payments. They also stated my mortgage have increased. I responded by saying I received two notification letter one in XXXX and another one in XXXX. They stated they had sent a letter in XXXX. I explained to them I haven't received any other letters in XXXX referring to a mortgage change. I tried reaching out to them, however they want listen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: U.S. BANCORP
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am writing to file a complaint against US Bank regarding their inaccurate reporting of my credit card information to XXXX and their failure to correct it in a timely manner. This issue has caused significant financial harm to me, as the missing account information has negatively impacted my credit score and potentially affected my ability to obtain credit. 

On XX/XX/2023, my US Bank account information was deleted from XXXX, leaving me with only one credit card account, which negatively impacted my credit score. 

On XX/XX/2023, I immediately reported this issue to US Bank and requested that they correct the issue and report the account accurately to XXXX. However, US Bank has not taken any corrective action within the 30-day deadline ( reported XX/XX/2023 ), as required by the Fair Credit Reporting Act ( FCRA ). This is a serious violation of the FCRA and has caused me significant financial harm. 

Today, US Bank account information is still entirely missing from XXXX. At the same time, this US Bank account does exists on XXXX and XXXX. Keep in mind that US Bank company policy is " Report to all 3 credit bureaus EVERY MONTH for all credit card customers. '' My account should be reported as well just like everyone else. 
But still missing on XXXX no matter how many times I contact US Bank. I was told by US Bank " everything is reported accurately. '' each single time I contacted US Bank about this issue. I reported to US Bank in accuracy and even showed XXXX and XXXX Report showing my account information. US Bank ignored my dispute. 

As per the FCRA, it is the responsibility of credit card companies to investigate any disputes and to correct or delete any inaccurate, incomplete information within 30 days. US Bank has failed to comply with this law and has returned the dispute with unfixed, incorrect information, which does not count as a resolution.

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 2021-08-26
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 have previous XXXX  Loans that are in the process of being dismissed due to me not having a Highschool diploma at the time of me getting my student loans ( Ability to Benefit ) I had 3 Sub & Unsub loans through XXXX XXXX which switched to XXXX. Each Loan had 11 Late Payments which totaled 33 Late Payments across the board.

I was informed to consolidate the loans since they were being investigated, I informed the bureaus that the loans where not reporting correctly and XXXX  has deleted the closed out account while Transunion & XXXX  has not followed suit.

Since everything on my report should be reporting accurately how is it that a account can be deleted by one company and not another. I demand that TRANSUNION AND XXXX  FOLLOW SUIT AND DELETE ANY CLOSED XXXX  ACCOUNT FROM MY CREDIT FILE

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