BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-15
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
ON XX/XX/2021, THERE WERE MULTIPLE FRAUDULENT ACTIVITEIS ON MY CASH APP ACCOUNT THAT WERE NOT MADE OR AUTHORIZED BY ME.BY A XXXX XXXX FOR {$5.00}, A XXXX XXXX {$5.00}, XXXX XXXX {$3.00}. ALSO ON XXXX XXXXXXXX XXXX XXXX FOR {$6.00}. I HAD NEVER DONE TRANSACTIONS WITH HTESE INDIVIDUALS OR HAVE EVER MET THEM. DURING THIS TIME I WAS HOME AND HAD SENT MY DEVICE TO XXXX FOR REPAIR BUT THIS DEVICE IS PASSWORD PROTECTED. I CONTACTED CASH APP/SQUARE CASH INC INFORMING THEM OF THE ISSUE AND PROVIDED WHATEVER THEY REQUESTED AND ASKED FOR MY CASH APP CARD TO BE CLOSED AND A NEW ONE SENT TO ME. I ALSO PROVIDED EVERY INFORMATION THAT WAS ASKED BY THEM TO PROVE THESE TRANSACTIONS WERE NOT MADE BY ME AND THEY STILL REFUSED TO RESOLVE THE PROBLEM AND DECLINED REFUNDING MY MONEY OR PROVIDING ME WITH A NEW CARD. I HAVE CHANGED MY PIN SEVERAL TIMES AND ALWAYS MADE SURE MY ACCOUNT WAS SECURED. CASH SQUARE HAS NOT FOLLOWED CONSUMER PROTECTION GUIDELINES AS A COMPANY. THEY HAVE FAILED TO PROVIDE PROTECTION AND RUN THEIR BUSINESS AS THEY SHOULD. I KEEP GETTING MONEY TAKEN OUT OF MY CARD AND BANK ACCOUNTS AND I HAVE NO IDEA HOW TO STOP IT AND THEY STILL REFUSE TO HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: TRUIST FINANCIAL 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:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer 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 2021-02-16
Company: LAKEVIEW LOAN SERVICING, LLC
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: Account status incorrect

Complaint:
We are a military family using a VA loan and entered in a Covid forbearance IN GOOD standing. As long as you entered into the Covid forbearance IN GOOD standing XXXX says it will continue to report it as on time. Since entering into the forbearance we since sold the home. Upon selling the home we paid the amount IN FULL to INCLUDE any deffered interest that accrued while in forbearance. HOWEVER, XXXX has reported the status to the credit agencies as paid more tab 120 days late which caused por credit scores to go down over 70 points. Well have find everything we can to make this right.

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 2021-02-16
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Around XX/XX/2021 I received a call from XXXX Gap Inc credit card services. 
I talked to the representative and she did not know why they were calling me because I have a XXXX balance. Since that date I have received calls twice a day from that telephone number I have called Gap about 6 times telling them to put me on the do not call list but I still receives calls from them

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 2023-10-14
Company: EQUIFAX, INC.
State: FL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXXXXXX 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 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15
Company: U.S. BANCORP
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ently I reviewed my credit report, and I discovered several inaccurate of my personal information such as my address, misspelling of my name, phone numbers, and erroneous accounts that must be immediately investigated. My credit report does not show my true credit history and these items should not be on my report. Pursuant to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be verified and removed from my credit report as the reporting of items prior to debt validation constitutes collection activity. I am requesting that they be updated and remove that does not belong to me. The following accounts in dispute are listed below : Accounts : US BANK ( # 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 Delete Address that does not belong to me : XXXX XXXX XXXX XXXX , OHIO XXXX XXXX XXXX XXXX XXXX XXXX , OHIO XXXX XXXX XXXX XXXX  XXXX XXXX, OHIO XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX XXXX XXXX XXXX , OHIO XXXX XXXX XXXX XXXX # XXXX XXXX, OHIO XXXX Please Delete Telephone numbers that does not belong to me : ( 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 2023-06-14
Company: JPMORGAN CHASE & CO.
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've provided this information along with photo evidence to Chase and they denied me my money back. I returned the products back, XXXX lost my packages, and the merchant won't return my money. 

To provide a comprehensive understanding of the timeline and events, I would like to present the following information : On XX/XX/XXXX, I initiated the process of returning the purchased purses to XXXX XXXX and contacted their customer service to request return labels. 
XXXX XXXX subsequently emailed me a link to generate XXXX return labels on the same day. Regrettably, I no longer have access to the label or the specific address that theyve provided in that label due to the expiration date. I have included photographs of the label generation email for your reference and Ive provided the links to the return labels. 

On XX/XX/XXXX, I dropped off the packages at a XXXX location, using the same box that was sent by XXXX. 

On XX/XX/XXXX, I realized I havent heard back after several weeks had passed and Im still out of money. I reached out to XXXX XXXX to inquire about the status of my return. They initiated a XXXX claim on my behalf. 

However, on XX/XX/XXXX, XXXX XXXX informed me that the claim had been denied, could not be reopened, and that I would have to contact XXXX to see why it was denied. I was not provided with any details or reasons for the denial by XXXX, making it exceedingly difficult to address the issue effectively. 

In my subsequent communication with XXXX, I discovered that I had not been provided with a claim number from XXXX XXXX, rendering XXXX unable to assist me directly. 

On XX/XX/XXXX, I examined the tracking details for my packages and was dismayed to learn that they could not be delivered and were being disposed of by XXXX. 
Frustrated by the lack of progress, I took the initiative to open a XXXX investigation through their online portal using the provided tracking numbers. 

On XX/XX/XXXX, I initiated a dispute with Chase, seeking resolution regarding this transaction. 

On XX/XX/XXXX, I received an email from XXXX inquiring whether I had received a replacement order or my original package. Unfortunately, I did not receive a replacement, and my original package remains undelivered to this day. 

I then received a letter than Chase denied my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: CT
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:
This is my second request that 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 items 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 items. 
XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2021-11-29
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I even walked in to Citibank to clear it up and they told that I need to wait for a letter I understand if it would of been a credit card am willing to wait but is income tax money my money not credit I fill like they just playing with my XXXX that I need to pay bills my rent XXXX is coming up am job less got XXXX sons a XXXX old and XXXX old I even I even Prolly goin to get invicted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account " XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Bank of America has illegally reported me to the Credit Bureaus for late payments. These payments are not late and have been paid. They have forced me to pay for expensive flood insurance. In addition, they have threatened me with foreclosures. They have consistently increase the monthly payment from the fixed rate. Almost doubling the payments.

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 2023-11-07
Company: EQUIFAX, INC.
State: VA
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-15
Company: Experian Information Solutions Inc.
State: PA
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:
Upon further investigation, I have retained new copies of my credit reports, and noticed that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  did not furnish the Experian with the required disclosure, within the period required by the law. XXXX is required by federal law to place a notice of dispute on my Experian account within 30 days of my dispute, which started on XXXX. I have retained a copy of Experian start date of the dispute that is attached, showing XXXX have violated time-stamped copy of my Experian credit report, showing that XXXX have violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30-day mark.

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 2023-01-20
Company: EQUIFAX, INC.
State: WI
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. 
Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Yes I looked over my credit reports, thanks to the weekly Free Credit report by Annual Credit Reports and see that there are unauthorized inquiries reporting on my credit reports by the XXXX, XXXX and Transunion.

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 2021-05-01
Company: Harvard Collections, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt reported from HARVARD COLLECTION SER in the amount of {$450.00} is not mine. This is inhibiting me from attaining credit in order to purchase a new home or qualify for higher lines of credit. It isnt fair that fraudulent charges can make such an impact on someones life and their ability to make larger purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: MOHELA
State: TX
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:
Situation : Administrative Forbearance is being erroneously or fraudulently applied to my account by MOHELA. 

Background : At XXXX XXXX XXXX XXXX on XXXX, I spoke with XXXX XXXX MOHELA employee # XXXX ). 
I told XXXX, I do NOT want ANY type of forbearance or deferment to be applied to my account, or any other actions that will negatively impact my chances of achieving PSLF as soon as possible.

In 2012, fedloan Servicing misguided me and placed me on Administrative Forbearance, and it is currently hurting my changes of PSLF for those months I worked for a non-profit. 
XXXX XXXX, after speaking with his supervisor XXXX ( MOHELA employee # XXXX ) : There wouldnt be an automatic processing forbearance for what Im asking. Its only when going from IDR to traditional or traditional to another traditional payment plan. [ Administrative forbearance ] would not apply when going from one IDR to another IDR plan. 

Assessment : Steering and manipulative practices to keep borrowers in debt and not qualify for PSLF continues to happen, like it did with my previous loan servicer ( XXXX XXXX ) in 2012. 
It benefits MOHELA and others like them to keep borrowers in debt ; hence why the automatic forbearances, which harms chances of meeting PSLF, are dubiously and quickly applied. 

Request : MOHELA : Please do not start AND remove any forbearance from my account. As stated, multiple times, I did not ask nor do I want anything that will disqualify me and my payments from achieving PSLF. 
Consumer Financial Protection Bureau, U.S. Dept of Education, and our elected officials should investigate MOHELA for these dubious practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
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:
Experian has not complied with FCRA guidelines for properly investigating identity theft claims. I the consumer has supplied Experian with all necessary information required by federal law and more to undoubtedly prove my claim. FCRA guidelines clearly states that the investigation timeframe is 4 days. However, Experian has shown noncompliance with federal regulations for credit reporting in regards to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: Amerifund Home Mortgage LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage asking specifically asking for a no ratio loan. the banker XXXX XXXX at amerifund home loans confirmed he could get me such a loan and sent me a term sheet. the term sheet required that i wire him a deposit which i did. After much follow up he came back saying he could only get me a loan if i provided a XXXX XXXX XXXX  statement. I told him that i was unable to. he replied he has another option for me then at much much higher rates and fees which i was not interested in. he then told me my deposit was forfeit and he was keeping my money since i didn't send him the documents he asked for. please help!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation