BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-20
Company: Block, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On the evening of XX/XX/2022, my XXXX was stolen from my vehicle as I was putting gas into the vehicle. I was unaware the theft had occurred. The morning of XX/XX/2022 a neighbor in my apartment building alerted me to the fact that my phone was under my front door mat. During the time that the phone was out of my possession, the thief was able to access the Cash App application on my phone, transfer monies from my linked XXXX XXXX XXXX account to Cash App and then on to ( I assume ) himself. Two payments were sent to a person unknown to me by the name of XXXX XXXX, in the amounts of {$300.00} and {$150.00}, respectively. 
Once I discovered what had been done, I immediately contacted my bank ( XXXX ) and Cash App to report the fraudulent transactions. Via chat, Cash App support unlinked my debit card, my checking account and a credit card from Cash App to prevent any additional transactions. The agent informed me they would conduct an investigation and would notify me of the results within ten days. 
A week later, on XX/XX/2022, I received an email from Cash App stating that there was no fraud and they've closed the investigation. The documentation that was used in their investigation is merely a listing of the fraudulent payouts from Cash App to XXXX XXXX. This displays there was no investigation and Cash App wrongfully denied my claim. I have since closed my account with Cash App, but would like to recover the money stolen from me via their app.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Bread Financial Holdings, 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 is missing that should be on the report

Complaint:
In XXXX XXXX  I filed a dispute with XXXX, XXXX and XXXX regarding my payments had stop and were not being reporting from my credit card with Comenity BankXXXX XXXX for the several months and I want the payments to be updated because my account has always been in good standing and never late payments. On XX/XX/XXXX XXXX Credit Bureau informed me that Comenity BankXXXX XXXX had removed my account from my credit report. I called XXXX on XXXX XXXX XXXX  and was told they could not reinsert my account. They told me to call Comenity Bank/ XXXX XXXX and I did both Comenity Bank/XXXX XXXXXXXX and XXXX are refusing to correct this problem which is hurting my credit score. I have been communicating with XXXX and Comenity BankXXXX XXXX from XX/XX/XXXX to present, XX/XX/XXXX and I am always told allow 30 days. XXXX asked me to send the correspondence from Comenity BankXXXX XXXX they had contacted XXXX and I submitted supporting documents of my active and good standing account with Comenity Bank/XXXX XXXXXXXX but nothing has been done. My entire credit account is removed ONLY from XXXX. XXXX and XXXX are correct. As a consumer this is not fair because I pay my credit accounts on time. At this time I do not what to do. This has decreased my credit score and limiting my credit availability and causing high interest rates. Comenity BankXXXX XXXX is stating they are reporting to XXXX but if there is no account with XXXX what are they reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
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: Personal information incorrect

Complaint:
The credit reporting companies are reporting addresses that are wrong that not mines they have some hard inquiries that I never did and the credit reporting company all three have incorrect information about my address and some closed accounts when I look at my credit report they have phone numbers on there that's 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 2023-06-12
Company: Block, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have received 2 fraudulent cash app cards in the last 2 weeks. I requested initially to have my social security number blocked on all accounts and from opening future accounts, this has not yet happened. If my current account must be deleted I understand. The company is hard to get on the phone, phone reps require you to add a debit card for verification even though they have a picture of my ID and I get bounced around to different people and no one can close the cards. The response I get is we have escalated your complaint and we are currently working on it. This is unacceptable, any time fraudulent cards have been opened in my name they have been shut down within 10 mins of calling customer service. The manager takes 24 hrs plus to respond to emails as that is the only way of contacting upper management.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Paypal claims they made a money transfer in my name for the amount of {$120.00}. The bank account that was used for the transfer does not exist since I closed it a year ago. So I asked them how they could have accessed a closed account and the reply I got is they pay first and try to collect from the bank later. This is not satisfactory and I am wondering if it is at all legal. 
The transfer was made to Washington XXXX for annual dues, a subscription I did not need since I already have XXXX from my spouse. 

I am sorry if this is going to the wrong section of CFPB but since it involves a money transfer I chose the Money Transfer Option. If need be please direct this to the correct section of CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Experian Information Solutions Inc.
State: AK
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:
Hello my name is XXXX XXXX. I have a issue with a hard inquiry on my credit report. I have contacted both Experian credit agency as well as XXXX XXXX XXXX. Neither of them can fix the issue and I have no further options. The issue is that Experian is showing a hard inquiry on my credit report and they are showing that XXXX XXXX XXXX are the ones that pulled my credit report. I have never had any business or accounts with them. I called Experian to get it removed and they told me I had to go through XXXX XXXX XXXX. So I call XXXX XXXX XXXX to get to the bottom of this and XXXX XXXX XXXX can not pull up anything on me, using every piece of information I could give them. I DO NOT EXIST To XXXX XXXX XXXX. I told them I needed them to contact Experian for me and have inquiry removed from my report. XXXX XXXX XXXX would have been happy to do so but told me they were unable to do so because they have nothing to start with to start any kind dispute for me. So I call Experian back and tell them XXXX XXXX XXXX has no information on me to even settle a dispute. I asked them to remove the inquiry from my report and they told me they cant do anything without a document from XXXX XXXX XXXX saying that they didnt pull my credit report and that it is a mistake. And XXXX XXXX XXXX cant send that document to Experian because they have absolutely no information on me to generate a report and document. So I am stuck with a phantom inquiry on my credit report that neither Experian or XXXX XXXX XXXX can explain to me. So please I need your help in contacting these companies on my behalf to get them to resolve this issue for me. 

The date of the inquiry was XX/XX/XXXX I have contact both Experian and XXXX XXXX XXXX on the telephone on todays date XX/XX/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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Delete XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Acct # XXXX opened XX/XX/2022, 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 1666B : A creditor may not treat a payment on a credit card account under 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 non-monetary relief
Consumer complaint received 2023-07-14
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:
I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

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 2023-02-28
Company: United Shore Financial Services, LLC
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I applied for a HELOC with United Wholesale Mortgage in the amount of {$110000.00}. On XX/XX/XXXX I closed on that HELOC and provided instructions that I wanted an initial advance in the amount of {$60000.00}. 

{$60000.00} was deposited into my checking account on XX/XX/XXXX. 
I received my first statement, dated XX/XX/XXXX, from UWM which states the outstanding principal balance of my HELOC is {$110000.00}. Puzzled, I reached out to UWM and asked them why my statement suggests that I had accessed/used the entire balance of my HELOC. The customer service agent I spoke with was unable to locate my closing documents and suggested that the remaining balance of the HELOC was likely used to pay off other creditors. This did not happen. I did not ask for my other debts to be paid off they have not been paid off. And I did not/have not taken any additional draws on the HELOC. I was informed I can submit a qualified written request challenging the accuracy of the outstanding principal balance. 

In the closing documents I was provided a copy of, the settlement statement shows the following : Loan amount = {$110000.00} Total of Origination Costs = ( {$5300.00} ) Due to Borrower = ( {$60000.00} ) HELOC Balance = {$47000.00} Id like UWM to provide me with a register of activity associated with my HELOC so I can understand where the remaining {$47000.00} was allocated. If there is other disbursements from my account these were either incorrectly applied to my account or they are fraudulent transactions. 

My current loan payment, due XX/XX/XXXX, is {$860.00}. This was calculated using interest applied to the incorrect and overstated outstanding balance of the loan. Id like this and subsequent payments to be corrected to accurately reflect my outstanding principal balance of {$60000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
This people called stating that they were part of and student program that Im actually already and and made it seem like it was for my well beings and had me believe its wasnt fraud got my personal info and now is requesting for money that I dont have and asking for government money and debit cards and harrassing me to pay off a student loan that at XXXX  dollar rate .XXXX  is the company they have no website they call from different numbers they text you every other day and they email fake payment options I am a victim and trusted this people and now Im in a situation with my personal info please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$4200.00}, XXXX XXXX  XXXX Balance : {$29000.00}

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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me.

Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) TransUnion and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$970.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$730.00}. 
If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-12-06
Company: EQUIFAX, INC.
State: LA
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:
XXXX XXXX is my name and I am a victim of Identity theft. I have been reaching out to these companies since XX/XX/2023 stating that these are not my unknown inaccurate accounts but they have been ignoring my letters. By Law these companies are not to report anything on my behalf without my written consent and that they are to investigate to make sure that the information reported is 100 % accurate. Each company is reporting something different on each account, which is a violation of the FCRA. These companies continue to violate my consumer rights and is negatively tarnishing my name. I have experienced XXXX XXXX, financial hardships, and embarrassment due to this inaccurate unknow information reporting on my credit report. I am not being treated fairly and I want these companies held accountable for breaking the law!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my third 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 XXXXXXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$710.00} XXXXXXXX XXXXBalance : {$7900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Incomm Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a prepaid XXXX for XXXX with {$200.00} on it but i can not use it to purchase anything and the website doesnt allow me to check the balance and the number in the back of the card wont let me get ahold of a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: NC
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute 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 XXXX # XXXX -XXXX  # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX

Company response to consumer: Closed with explanation