BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
After checking my credit report, I noticed a fraudulent medical account on my profile. This is causing me distress as i am a XXXX XXXX XXXX veteran. My income is limited and this is in the way of me getting improved for anything. I have my healthcare paid for by the government and this is NOT MINE. Please remove the medical account number " XXXX '' from my report.

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 2023-08-08
Company: Experian Information Solutions Inc.
State: MN
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:
XXXX XXXX XXXX claims I missed a lease payment but that is incorrect. The last lease was due on XX/XX/2022. I made the payment on time and then returned the truck on XX/XX/XXXX, on time. Turned over the keys at that time. I have record from my bank showing this payment. My credit report shows that payment.

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 2023-08-08
Company: Experian Information Solutions Inc.
State: DE
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:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-08-08
Company: Experian Information Solutions Inc.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

15 U.S.C. 1681s-2 ( 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.

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 2023-08-08
Company: Experian Information Solutions Inc.
State: FL
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 one of my multiple attempts to notify Experian and XXXX credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-11-20
Company: EQUIFAX, INC.
State: IL
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 not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSWORLD SYSTEMS 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:
Transworld systems inc a debt collector is reporting inaccurately a debt i am not contracted with on my XXXX credit report : XXXX show closed but is reported in collection. 
I have even sent letter certified mail with return receipt to XXXX and TSI to dispute the erroneous collection, they clearly do not do their part to protect and verify our information properly and violate my rights!

I have NOT given them written permission to put anything on my consumer report.

i never contracted with TSI, they haven't provided me with any proof of chain of assignment, chain of title, ANYTHING but a computer letter that I contested. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information.15 USC 1681 a 4 speaks on a consumer right to privacy. 15 USC 1692 speaks further on a consumer right to individual Privacy. 
It is unlawful for the advertisement of any debt specially when it is INNACURATE they need to stop harassing me by reporting false information on my credit report. They have caused me severe harm and Anxiety to me and my family!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: LEXISNEXIS
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted LexisNexis via US Postal mail and Fax. LexisNexis claims its been verified the XXXX XXXX on my public record as Accurate and True. They cant verify as such. I have a letter directly from the NJ Federal Bankruptcy Court saying they report to NO ONE!! LexisNexis is simply a third party company that pulls public record through poor outdated electronic means. XXXX!! They have zero interaction with the court. Ive asked LexisNexis for proof for 2 years!! I want legit documents, emails or postal mail. LexisNexis can not produce evidence that they have been in direct contact with the NJ Bankruptcy Court regarding my XXXX XXXX. Since they are liars I want the public record removed from all credit score companies. They so easily slapped it on my report by getting this garbage from XXXX. There are many discrepancies none of which they could possibly verify. I have a letter from the federal court. They are committing a crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Block, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I hires someone to move my luggage for me for {$50.00} thru cash app. Through the day he kept saying he didn't receive it. When I needed to move my things again I agreed to pay a total of {$91.00} to cover both moves. At I was entering the info he forcefully took my phone saying I wasn't putting the right cash tag in. While he had me phone, his friend bumped my just enough to throw me is balance.so I was unable to see what was going on. I'm a XXXX XXXX XXXX XXXX XXXX  veteran and they were young muscular men. When he finished he handed me the phone and immediately disappeared. He had changed the amount to {$9100.00}, tried to mess settings and then logged off the app. At first took a second to get logged back in but then I immediately contacted cash app to report the fraud, tried to request a refund from the man and have attempted numerous disputes. Cash app keeps ignoring the details of my XXXX and age to say I authorized it freely. Also, while trying to determine what happened to the first transaction I attempted to send {$1.00} to see what happened. Cash app did not allow that transaction saying it was a questionable account BUT I WAS NOT IMMEDIATELY NOTIFIED Obviously they recognized a problem with the account but did not give me adequate information they refused {$1.00} yet allowed {$9100.00} which is not typical to my spending habits. 

They won't tell me how to take it to arbitration or offer any other recourse after numerous calls and written messages

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Block, Inc.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On both XX/XX/XXXX and XX/XX/2023, an individual from XXXX, GA attempted a fraudulent purchase using my CashApp card. 

XX/XX/XXXX : I received a fraud alert from XXXX XXXX  asking if a {$490.00} purchase was mine, for a XXXX purchase. I replied NO and they canceled the card to send out a new one immediately. A few moments later, the charge was attempted again, as well as several other small transactions, as seen in the attached screenshots. I reported those transactions as fraudulent to CashApp and requested a new card. Both payment methods were stored in my XXXX digital app. 

XX/XX/XXXX : I received a CashApp notification of a {$30.00} purchase at XXXX, which is another fraudulent charge. I then received an email confirming an Instacart order that I never placed, including the delivery address, which I suspect is the residence of the person defrauding me. I contacted XXXX customer service, they canceled the order, and CashApp gave me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit 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:
The XXXX of XXXX XXXX charged me {$90000.00} through my American Express card instead of a beach entrance fee on XX/XX/2023. It has been a nightmare trying to get this resolved with Amex, I opened a case with them on XX/XX/2023. This charge is still sitting on my account and accruing interest ( charge on XX/XX/2023 ). This is not standard business practice from disputes I've done in the past, I have always had the charge and interest held. I have gotten no answers on when this will be resolved, how interest is being accrued and I am worried this will impact my credit score. I was able to get through to the CFO of XXXX XXXX, who noted that Amex contacted her in the middle of XXXX and she had said then that the charge is false. This exchange was not documented by Amex. She has also e-mailed me a letter for proof. I am attaching XXXX documents highlighting my case : XXXX Amex charge file : This is noting the entire timeline of what has happened and the amount of times I have contacted American Express for a resolution. I have spent XXXX hrs on the phone with multiple agents and have gotten no ETA or clarity on how this is being handled as well as important details such as if interest will be charged. Even after updating Amex that I have contacted the merchant and have written proof this charge is false, there has been no movement on my case. 

Letter from XXXX XXXX file : CFO of XXXX XXXX has written that this charge is false and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
In XX/XX/2023 I faxed information to Pennymac to change my homeowners insurance policy company, from XXXX to XXXX. Shortly after I received a letter from XXXX, which is my new homeowners insurance, stating that they would cancel my policy because Pennymac had not responded. I called Pennymac again and was told to upload it to the message center on their website, so I did. I called a few weeks later and they still had not updated my homeowners insurance policy. So again I uploaded my information. Somehow I am XXXX on my escrow account so today, XX/XX/2023 I jumped on the website to see what was going on and they still had not updated my homeowners insurance. I called and they told me I had not uploaded anything. After finally being able to update my insurance information they told me I would have to call XXXX to get the money back that they have been paying them for 2 months, even though I had cancelled the policy. I fail to see how this is my responsibility when I have done my due diligence to correct this information. The lady told me that the stuff that is uploaded to the message center is sent to customer service. If thats true why was I even told to upload it there if it doesnt get to the correct place! I was so frustrated I still dont know why I am XXXX in my escrow! How can you trust a company that cant even get your insurance information updated in a timely manner?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: BSI Financial Holdings, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
On XX/XX/XXXX, I canceled my auto payment feature Via BSI Financials ' website and made the full mortgage payment that day. That payment was submitted ( {$3400.00} ) but the auto payment was also deducted from my account ( {$3400.00} ), resulting in double the payment for XXXX of {$6800.00}. I called BSI Financials customer service on XX/XX/XXXX once I noticed this. They told me they could refund the second payment but only via check. I agreed thinking that should take no more than two weeks as the employee stated it would be processed in ten business days. The second payment of ( {$3400.00} ) was reversed from my account but the check never showed up. I called customer support after waiting 29 days and was told their policy is to wait 30 days from when the check was issued ( XX/XX/XXXX ) and if the check was still not received, they would void the check and could either issue a new check or applied the funds to my next mortgage payment. I called back on XX/XX/XXXX, and they told me the check was now void and for the funds to be applied I have to submit a letter via email stating I want the funds to be applied to my XX/XX/XXXX mortgage payment. I emailed this letter on XX/XX/XXXX asking for confirmation the letter was received and the funds will be applied. I followed up to the email on XX/XX/XXXX & XXXX with no response. I called customer service again on XX/XX/XXXX inquiring about the email and was told to call back on Monday or Tuesday but to rest assured that the funds will be applied to my XXXX payment. I called Customer Service this morning XX/XX/XXXX and was told that the funds were already applied to my XXXX payment when in fact I have the transaction from my checking account showing I paid it. The customer service again asked my to forward him the email I sent on XX/XX/XXXX so he could send it to their finical department and told me it will take 48 to 72 hours to be reviewed. The Two-month mark of this issue is approaching and there has been no resolution to date and my family is out {$3400.00} due to BSI Financials negligence and poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: WELLS FARGO & COMPANY
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: JPMORGAN CHASE & CO.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This is a follow-up complaint of XXXX, which has been closed as Chase has responded on XX/XX/XXXX. 
In the Company 's response of complaint # XXXX, Chase claimed that there was one-time passcode sent to my phone to verify the known device, but I have not received any text about that on that day. I had the phone with me all the time and I never lost, but on XX/XX/XXXX and XX/XX/XXXX, the date that the fraudulent transaction happened, I NEVER received any one-time passcodes that the Chase claimed that has been sent to me at my phone. On XX/XX/XXXX and XX/XX/XXXX, there were total of XXXX fraudulent transactions happened, but the bills of my cellphone showed NO texts from Chase related to those XXXX fraudulent wiring setup being recorded on XX/XX/XXXX and XX/XX/XXXX. 
Attached are the detailed billing statement from my cell phone company, and I highlighted the texts that were sent to me on the days that fraudulent transactions happened. 
None of the texts I received that day contained the " one-time passcodes '' that Chase claimed to have sent to me to verify the wire recipients. 

Please refer the original complaint XXXX for more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: Resurgent Capital Services L.P.
State: CT
Product: Credit reporting 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 inquired about debt that was on my credit report. Most of this debt happened when i was incarcerated. I didn't open any of these lines of credit. 

Also : 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 an account without my written instructions. 
15 USC 1666B A creditor may not treat a payment credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: U.S. BANCORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I open a U.S Bank account and made a deposit back in 2020. My name was ran and the account was open. A week later I was inform I had a bad account on my XXXX XXXX  report, so m account was closed and all monies was refunded. This was not my fault it was the bank inaccuracies of checking their system when opening the account up. I request that they fix this issue and indicate that this account is in good standing. There is no balance owed at all. I request that U, S Bank resolved and fix the issue so that I can open up a bank account. Please have them removed an negative rating which has affected my chances to open up a checking account.

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 2023-09-21
Company: Nelnet, Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Nelnet is reporting a loan as delinquent ( seriously delinquent of more than 120 days ) from the pandemic pause period. As a XXXX XXXX with federal student loans, I followed studentaid.gov and watched that there was no action needed to pause loan payments. I have previously disputed the errors XXXX, XX/XX/XXXX and XXXX, XX/XX/XXXX along with a few other dates, they updated some months as current but not all. 
I called Nelnet and was on hold for over 2.5 hours. When I got an agent they told me that loan was brand new to them in XXXX. Then said o wait no its not. Then said yes it was covered then no it wasn't. They told me they would get me to the department I needed to further discuss this issue. Then she came back on the phone and told me she talked to them and the report would stand. I said no I would like to speak to them. They were already told potentially erroneous information by the Nelnet agent. 
Frankly I am not wanting Nelnet to even service my loans, I don't feel I can trust them. 

I want the 4 late payments on my credit report removed, as a XXXX XXXX in the global pandemic, I am not sure how working 80 hours per week, and catching XXXX  and being down and out form XXXX to XXXX and then returning to work is an offense to have 4 late payment notifications when we weren't supposed to owe during the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Part of my rent rebate money was stolen from XXXX savings account. And there purchases were made twice on the XXXX of XXXX at XXXX XXXX

Company response to consumer: Closed with monetary relief