BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-18
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am XXXX XXXX, a federally protected consumer and I am submitting this complaint against Caine & Weiner Company regarding an account that they purchased from XXXX. I am writing this complaint before this alleged debt finds itself illegally being placed on my consumer reports with no regard to how this affects me. First, I would like to state that I have never given Caine & Weiner Company any permission to use any of my identifying information to commit aggravated identity theft by contacting me about an alleged debt they claim that I owe. I can admit that I have never validated this alleged debt with XXXX XXXX and while I have not validated such a claim of debt this in turn can not be constructed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence such as a trilateral contract between, XXXX, CAINE & WEINER COMPANY, and myself, giving Caine and Weiner Company any right to collect on this alleged debt. It is my belief that Caine & Weiner Company is attempting unlawful fraud activities and theft by deception by attempting to furnish false and deceptive forms and continues to commit several violations under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Square Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Im a cash app customer in XXXX Mississippi. On XX/XX/19 a customer paid me by cash app in the amount of {$340.00}. Around XXXX my wife and I had dinner at a local restaurant and spent {$36.00}. This was my only purchase that day. The next morning I awoke to 5 complete different charges from 2 different merchants in a state far from my home that Ive never even visited. My card had not been stolen either as I still have it on me. All 5 transactions were made from gas stations in XXXX Tennessee. Four of the charges where from XXXX XXXX  XXXX  XXXX. This merchant ran 3 transactions of {$50.00} and 1 transaction of {$49.00} for a total amount of {$190.00}. It says gas above the name XXXX XXXX  on the cash app statement but no other information provided. The 5th transaction was from another gas station XXXX also in XXXX Tennessee for the amount of {$50.00}. This the only information I could see or come up with as I started to frantically search for the exact locations and phone numbers but was unsuccessful. I went through the steps of openin tickets of unauthorized transactions on each on and I searched for a customer service phone number for cash app and learned there isnt one. You have to email them and wait on a response. I have got only 2 response with the 1st response 5 hours later was one asking for a list of the names of merchants, the dates and time the transactions occurred and the exact amount of each one. And a reason why I was disputing the charges which was of course fraud/no knowledge. The second response after I emailed the info they told me to provide wasnt as hopeful as they informed me that I needed to contact the merchants and ask them for a refund myself and after they agree the refund initiation could take up to 10 days. Problem is that there is several XXXX  gas stations and several XXXX XXXX XXXX stations located in XXXX Tn and there is NO information provided to me on this app of any physical address or phone number which would help me locate these merchants. XXXX XXXX provides the service with Square cash aka cash app so why would they not be able to provide this information for me or track down where my money went and how someone was able to do such without my card or pin. I in trusted my money with cash app and never had a problem before until now. Please help me as I do not know what to do other than take a {$300.00} loss of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have reviewed my reports and I noticed that I had a collection amount due from this account, but this issue has been resolved prior. This account has also been reported as, and I did not give authorization to open this account. This account was removed months ago in XXXX. Now it is accruing interest and charging me late fees, please remove from my credit file. I assume that a consumer reporting agency must prepare maximum possible accuracy on a consumer 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 2023-05-09
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE, XXXX Account Number : XXXX Year : XXXX Make : XXXX Model : XXXX XXXX : XXXX To Whom it May Concern : Please be advised that the above-referenced, charged-off account was settled in full for less than the amount owed on XX/XX/XXXX. XXXX XXXX XXXX ( XXXX ) recognizes that the above-mentioned debt has been settled in full. 
We are in the process of updating our records to reflect the settlement of the above- referenced account. Please allow up to thirty ( 30 ) days for all updates to be reflected with the credit-reporting agencies. Also, please be aware that XXXX is merely a furnisher of credit histories maintained by any credit-reporting agency. XXXX XXXX XXXX can only make requests that changes be made to the credit history and can not guarantee such requests will be honored. 
If you have any questions, please contact XXXX at XXXX. 
Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All rights reserved. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I traded a vehicle 13 days before my due date XX/XX/2020 on XX/XX/2020. It was a 54 month term I had the car less than 24 months. The creditor listed me as late for XXXX and XXXX payment and sent me a final payoff letter dated XX/XX/2020. 
That documentation alone corroborates that I wasn't late in addition to the fact that I was no longer in possession of the vehicle after XX/XX/2020. I disputed with all 3 credit bureaus supplied documentation in addition to the paid in full letter and state tax forms specifying the date of the trade in. They all sided with the company who were paid off but each one of the bureaus have the dispute results listed as paid in full but the late payments are hampering my credit growth. XXXX XXXX XXXX out of Michigan has the propensity to berate under served customers and communities per the 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 2023-09-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO
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:
I see that my most recent complaint was closed by you. This was filed today and is a different complaint as the fraudulent activity by the mortgage services in sharing my private information is completely different then the prior complaints. This is interesting to me as I reported all of this retaliation that was occurring at the time of its occurrence and have had no response from you. Now with these new actions that have recently taken place you quickly close a different complaint that has been filed. Why is this? 

XXXX XXXX XXXXXXXX? XXXX This was reported after the first Auction notice predated and signed, placed on our door with no affidavit. We were after the fact evicted from our home 3 months later. Why do you not respond to these pleadings for help? 

How did they possibly get our payoff amount after we had been notified by their attorney that they could not get the payoff amount?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2022 I was notified at XXXX of a {$500.00} charge with XXXX. I immediately reached out to chime to report unauthorized transaction. within three minutes following charge at XXXX I had phone contact with a chime representee. During this phone call at XXXX a second unauthorized charge of {$750.00} by XXXX  XXXX XXXX Chime phone call lasted 41mins and during this time chime stated they could not do anything while a transaction was pending however they could file a dispute once transaction had been completed. Chime also assured me that they where contacting merchant on my behalf at this time. My debt card was cancelled and I transfer the majority of my funds into another account. On XX/XX/2022 at XXXX I contacted XXXX  XXXX XXXX and was informed they had not been notified of unauthorized transaction and had no contact with chime bank. XXXX was also unable to to provide information. XX/XX/2022 at XXXX I filed chime dispute claim. Chime stated they would file both charges under one dispute claim and asked me to provided receipts of transactions. I continued to inform them I did not have receipts of charges I did not make. The only receipt I could provide was of a transaction made at XXXX show that I was instore and verify my location. 6 hours later at XXXX chime emailed to inform me of denied dispute. I then requested a copy of there supporting documents. Chime provide document. This document lists subjective, false and irrelevant statements without substantiating pertain information. This document also wrongly refers to me as a male.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have been in the public service loan forgiveness program since graduating from graduate school in XXXX. I've qualified 120 payments under the conditions of the program and sent in an application for forgiveness in dated XX/XX/XXXX. I contacted the federal student loan ombundsman in XX/XX/XXXX and was again told that I had 120 payments that were qualifying but that the application was " still in process '' with no clear idea of how long to expect that process to take. As of today the application has been in process for more than 4 months and would appreciate a timeline as to when this might be under review or at least clearer information regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I deposited a check for {$3800.00} into my account. The funds were immediately placed on full hold with no warning until the XXXX of XXXX. On the XXXX of XXXX, my account was frozen without warning or explanation. I have no gone almost a full month without having access to money I was expecting and have available to me. I have had to cancel multiple financial obligations and am literally in a position where I am currently starving, though I have several XXXX dollars available. Chase will provide zero explanation or date when I will actually receive my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
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:
I have contacted the reporting agency numerous times regarding my consumer report and accounts on it that were not authorized by me. There are numerous violations of federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given XXXX, TransUnion or XXXX consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.

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 2023-03-28
Company: Experian Information Solutions Inc.
State: MS
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 XXXX Balance {$19000.00} Balance updated XX/XX/ Original balance {$15000.00} Credit Grantor reclaimed collateral to settle defaulted mortgage

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 2023-01-09
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX These are the accounts that I have sent out letters to to the bureau to correct the situation and I have gotten back updated letters when it is inaccurate information on my account as well as fraud. ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I had an account with Citizens bank in XXXX XXXX XXXX XXXX in XXXX XXXX I had recently gone on XXXX and had purchased a new T.V also a new 4 wheeler amongst other items For a total of {$6900.00}. It was from roughlyXX/XX/XXXXthroughXX/XX/XXXXroughly I believe so a few weeks had gone by and I had not received any of my items so I contacted my bank they stated they paidXX/XX/XXXXand I calledXX/XX/XXXXthey said they never got the funds. I then go into my branch and spoke to a clerk then manager then I had to come back and talked to the general manager of several branches of Citizens bank and he had called his corporate office and had gotten into an argument with them over trying to get me my money back. He had hung up the phone and told me after he was on the phone for almost 3 hrs he hung up snd stated to me XXXX im sorry but they are failing to refund you your money so you have to sue me I said what he said yes you have to sue me go file the paperwork you will win because we had your money and some how someway it got lost between here and pay pal. So go down and sue me you will win and get your money and late fees etc and court cost. I had tried going down to court house but it was to much money for small claims that I had to retain. Council but I did not have the money to do so and still don't. So I figured maybe your office can possibly help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, INC.
State: NJ
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:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
On XX/XX/XXXX, a Conditional acceptance/ change in terms of agreement was mailed out via certified/return receipt to Bank of America Merrill Lynch N.A. , and to three separate corporate offices. It was also mailed to CFPB and XXXX XXXX XXXX via certified mail/return receipt. All averments to the conditional acceptance/ change in terms of agreement requested were ignored. Which made the new contract legal and binding. On XX/XX/XXXX, I sent a Notice of default with three days to allow for additional time in answering the contractual agreement. Again, ignored. By acquiescence all involved in this contract are bound by the new terms and conditions that were agreed upon. On XXXX an arbitration award was awarded to XXXX XXXX in the amount of XXXX. After several complaints to CFPB this matter has exhausted its administrative remedy. I have no choice now but to enforce the award. I have tried to handle this civilly, only to get robotic response letters. In the last response I received on XX/XX/XXXX from XXXX XXXX XXXX stating a change in terms of agreement sent in XXXX, stating Arbitration will not be allowed from Bank of America Merrill Lynch N.A. has the account number completely wrong with the account in dispute. This correspondence from them is an error. The contract sent to the three named above will stand as legal and binding.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting 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:
I was checking my Credit on the XXXX XXXX and notice some inquiries that I had know idea about.

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