BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-03
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX I was scammed out of {$400.00} using Zelle through my XXXX app trying to buy tickets for a concert. The person made a fake XXXX invoice and told me they were going to tranfer their tickets to me through my XXXX account. They then sent me an email from their email account with a very real looking invoice saying I got the tickets. I told them XXXX should have sent the email. At that time, I knew it was a scam. I called XXXX and filed a complaint and they said I needed to contact Zelle bc Zelle is a 3rd party on their banking services. Right now I do have a complaint with XXXX as well. XXXX had closed my complaint less than 24 hours later. But I also feel Zelle has treated me unfairly as well. When I called, they said I needed to call XXXX and I told them that XXXX said I needed to call them. When I gave them the info, they said that they don't dispute the charges and I can't get my money back. I asked " why can't they just get the money back from the Zelle user that scammed me. I told them I had alot of information about the person, including his address, phone number, email account and copies of texts and phone logs ''. They said that they didn't need any of that but if they did, they would contact me. But, I would not be able to get my money back. I felt like someone should stop this person from scamming other people, so I looked online and filed a complaint online with Zelle. A few days later, I called XXXX and they said it was closed and in Zelles hands and I could maybe get a courtesy refund from Zelle. They said my Zelle case number was # XXXX.I called Zelle and gave them that # and they said it didn't exist and to handle it with XXXX. I asked for a manger and the manager said maybe there is a case number with that # but there was nothing more they could do. I told them I was really concerned about this person scamming other people and I didnt understand why they couldnt just reverse the transfer or do a chargeback if they had the scammers info. She said I would not get my money back, but she would take down the info i had about XXXX XXXX and try to flag his Zelle account. Please help me to understand how they know this persons information but can not get my {$400.00} back from them. Is there any way the ABA 's Electronic Fund Transfer Act ( Reg E ) can help me get my money back. I did so much research about this and about the person who scammed me, I want them to repay me and to also be held accountable for scamming me. I am in the middle of a police report right now and would like to prosecute this person, if that ever happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: CA
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:
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.

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

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 2023-06-24
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo bank has leaked my account details And someone has withdraw XX/XX/ {$880.00}

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 explanation
Consumer complaint received 2022-05-24
Company: Kriya Capital, LLC
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:
Account name = Credence Resource Manage

Original Creditor = XXXX XXXX  
Date = XXXX  
Collections amount = XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
During the first shut down I kept getting letters from the mtg company that I was in covid relief. I kept my emails that told them NO I AM NOT because I am paying, and on time, I didn't need it. Then Covid shut down the world. I couldn't work my second job which I rely on. So several months later I called them back and said, can I get one month of assistance please, I am going to need it after all. They said we can give you 3. I was able to make payments immediately and notified them to take me off of forbearance / deferment. Then in XXXX of XXXX they send a man to my office at work with a stack of papers to sign, like 8 font. They said this is your refinance paperwork so we can roll the 3 months back into your loan. Your payments will go up. I said that's fine. I then had one month of a higher payment, and my payments went back to normal, I thought it was odd but didn't question it at the time. Now I moved to Florida and am selling the house. The title company said " What is this {$5200.00} 2nd mtg? '' I said what are you talking about. She shows me. I call Shellpoint! They said oh that was our program at the time, you should have read your paperwork, we filed a partial FHA claim and put a lien on your house for that amount. WHAAATTTT? First, why am I just now told of this. I KNOW there was NO mention of this at all, ever. I was told it would be rolled in and then my final payment date would change. I asked Shellpoint for copies of the transcripts of communication and a copy of what I signed. My house closes in 3 weeks. What do I do? I called a local lawyer here, she said it was loan modification fraud - that they filed wrong and that I would need a Texas Lawyer. I call one, they agreed and said {$2500.00} please. I'm a teacher, I don't have that kind of money. Help. please. And while I was getting the paperwork together for this complaint I found out they did not apply my payments to my loan!!!! omg!!! Now what do I do???? I am printing, documenting, comparing. It's nuts. They didn't apply my payments. Then XX/XX/XXXX is showing my payment and some other payment in payment history, but the statement doesn't reflect that and I have no idea what that other payment is. What do I do? I called them and they won't help. When I go to their site all messages have been deleted. My statements are no longer able to download. I am taking pictures. look on XXXX statement, I made a payment XX/XX/XXXX ... .statement doesn't show that. I actually sent it on XXXX, but they didn't apply until XXXX. That is my one and only " late '' payment the whole time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX XXXX dated XXXX, I received a notice via USPS dated XX/XX/2021 that a I had an issue with an electronic transfer which additionally indicated there was an error requiring me to respond to the notice. This notice also indicated that there were several other issues. 

I received s similar notice in late XXXX which I made a response via USPS that I had no affiliation nor type of credit identified in the notice. I attempted to contact via phone number provided ; proceeding further required me to input Names, SSN and Date of Birth. An attempt to contact via website required me to establish an account. Both methods have the appearance of some institution/individual ( s  ) attempting to collect personal information that may be inappropriately used on behalf of the consumer. That response went unanswered. 

I have do not do nor have this type of credit! 

Thank you for the courtesy of your immediate reply!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: WESTERN UNION COMPANY, THE
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
XXXX. I statrted a money transfer {$1900.00} or XXXX Pesos Colombiana with XXXX XXXX XXXX the XXXX XXXX XX/XX/2021, the transfer was to go to my futture step son XXXX XXXX XXXX. The monies were for XXXX XXXX XXXX needs to be paid in cash XXXX XXXX XXXX XXXX. The transfer ID with XXXX XXXX is XXXX XXXX XXXX as it is still being held up for unknown reasons. 
XXXX. When XXXX tried to retrieve the cash he was told in was being held up but no reasons were issued. 
XXXX. I reviewed the transfer and it suddenly and very unexpectedly on Hold with a 5 day suspension or cancellation policy XXXX. As of XXXX XXXX the money is still being high jaked and I want the funds returned to the accouunt which I statrted the process XXXX. I have called the number to attempt to release my money but the XXXX became very difacult XXXX. The agent asked me several questions the use of money? my passport number? and frankly more than really needed. The agent told he would have to call me back at my XXXX cell number on file, I explained that it was not in service while I was in XXXX XXXX. I am tring to get the money relesaed using my XXXX XXXX agent but at this point I feel the ongoing matter is out of hand, it has costs me time, money etc XXXX. All I want is my money back because I am unable to be varified via phone number not currently in service XXXX. I have open a XXXX account but again all attempts have been stone walled

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My identity was stolen to attempt to open credit cards and and mortgages/loans without my knowledge or consent. I need these removed immediately as it is affecting my ability to obtain a car and personal loan. I have reported this to the FTC and will attach my report here for you.

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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and correct them from my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-22
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Two months ago they said it was under final review and we would her from them in about ten days. It's been about 30 days and have not heard from them. We tried sending them payments and they were returned. We been getting the run around for the past year. It looks like they are wanting us to lose our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Advanced Collection Bureau, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I attempted to rent an apartment and was denied. Why? I went to check my credit report and to my surprise, I have XXXX XXXX XXXX, Advanced Collections Bureau, XXXX XXXX XXXX and XXXX XXXX XXXX all have negative information to all the credit reporting agencies- XXXX, XXXX and XXXX. I wrote all of them letters demanding validation and proof of claim in accordance with Fair Debt Collection Practice Act, 15 USC 1692 and the Fair Credit Billing Act 15 USC 1666 et seq. You see I do not know or have any contract with any one of these collection agencies and never gave any of them written permission to report any information to the credit reporting agencies. This has violated me under 15 USC 1681 b ( 2 ). By doing this, they have committed identity theft under 18 USC 1028a. None of these agencies was able to provide proof and has ignored my request. Nothing was removed from my credit report. These agencies has caused damages to my mental and physical health. Letters were sent out to all of these companies on XX/XX/2023 and nothing was done. I continue to get denied when I apply for credit or rent an apartment. XXXX XXXX XXXX, Advanced Collectons Bureau, XXXX XXXX XXXX and XXXX XXXX XXXX has ruined my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I switched payor accounts for one of my Capital One credit card accounts. My credit union gave me the incorrect account number to use for my checking account. The payment was returned due to the incorrect account number. After speaking with Capital One, I was reminded that this happened once before in XXXX of XXXX, same situation. I hadn't remembered this but when reminded I do recall. It never seemed like a big deal at the time nor did they alert me that this was a big deal. It was an error at the credit and I wasn't even past due. I figured, no harm, no foul, fix it and move on which I did at the time. 

Well after this recent mixup on XX/XX/XXXX, Capital One closed the account due to too many bank returns. I spoke to XXXX and Customer Service Leader XXXX at the XXXX offices who both told me there is nothing that can be done. They have no grace period or process to correct a simple error. On top of that they closed my other account with them and again, have no process to reverse this action other than the advice they gave me to just open another account. Again, both accounts have ALWAYS been up to date and paid as agreed. 

Well the BIG problem here is I am rebuilding my credit and the fact is that two closed credit card accounts are going to have a negative affect on my credit. Applying for new cards will negatively affect me as well and I am not sure I would even qualify. 

My complaint is that Capital One can single handedly with no regard or recourse for a consumer, are allowed to make decisions that will have such a negative affect on a consumer. With that said, I am sure in their " fine print '' I would find that they can do whatever they want whenever they want but the bottom line is this, what that did to me is unethical and will cause me harm. The harm is that my credit rating is going to take a hit costing me more money. I most likely will have a difficult time getting another card and all of my direct pay accounts attached to this card are going to be useless causing me further hardship as I have lost a necessary tool to manage my cash flow needs. 

In my opinion, consumers need protection from this type of unfair business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The accounts XXXX XXXX XXXX is attempting to collect on were opened fraudulently. They refuse to accept that fact and work toward a solution. To continuously call and reopen collection attempts. Ive disputed the accounts numerous times through credit bureaus to no avail. They are attempting to collect on accounts they 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 2023-06-28
Company: ENCORE CAPITAL GROUP INC.
State: NY
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 received a letter from Midland Credit Management stating that I owe a debt in the amount of {$740.00}. I was informed that the Original Creditor was XXXX XXXX XXXX. I never opened an account with XXXX XXXX XXXX. I reached out to XXXX XXXX XXXX  and the stated I allegedly opened an account back in XXXX. Midland Credit Management is reporting that I opened this account in XX/XX/XXXX. During this time I was in Texas performing my duty with the XXXX. This is heart breaking to find out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: CA
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:
I sent a letter on XX/XX/2022. I told credit bureaus to " investigate every piece of information '' on the accounts i have listed below. 
According to the FCRA The term " investigate consumer report '' means a consumer report or portion thereof in which the information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. Also I attached copy from credit bureaus so you can see that nothing matches, Last balance update is different, minimum payment is different in each bureaus, date open different as well. 
THESE ACCOUNTS NEED TO BE DELETED FROM MY CREDIT REPORTS AS LONG AS THE INFORMATION IS INCORRECT. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX / XXXX / {$5000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: IL
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:
This company is breaking the consumer law with their improper use of 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 explanation
Consumer complaint received 2023-07-27
Company: Block, Inc.
State: PA
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 stay at best western hotel on the XXXX funds were held but on the XXXX the were released by the hotel. I have spoken to them twice now with confirmation that funds have been released for awhile now and should have been made available to me already. I had to best western because initially cash app was claiming funds werent released on there end and I came to find out that wasnt the truth. I spoke to cash app and theyre still refusing to release my funds and saying they have 14 days which is unheard of. I was told no more than 5 business days. They have all the information they need in front of them and have had it for over a week and are still refusing to release funds. If they need to contact the merchant they can. I am not at the hotel anymore. And I need my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Sa-Vit Enterprises, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

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