BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-13
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022, I received written communication from Credit Collection Services indicating that I was owed {$1600.00} for a past due amount from the original creditor XXXXXXXX XXXX XXXXXXXX XXXX. I contacted CCS and explained that I had been in contact with XXXX XXXX because the amount was incorrect, and we had been working to resolve the matter directly with XXXX to come up with the correct amount owed. CCS maintained that I owed {$1600.00} and reported this amount to the credit bureaus despite being told that it was the incorrect amount and it was being handled directly with XXXX. After speaking with XXXX XXXX and the amount was corrected to {$890.00}, I again notified CCS that the matter was being handled directly with XXXX and asked them to remove the debt collection from my credit report. Instead of removing it from my credit report, CCS adjusted the amount to {$890.00}, giving the impression that I had made a payment directly to them. When I contacted them again and asked them to remove it from my credit report and explained that I was dealing with it directly with XXXX, they refused. I explained again that I would not be paying them, but paying XXXX  directly, CCS still refused to remove it from my credit report. The payment was made to XXXX directly ( see receipt ) and yet it appears that it was made with CCS and is still appearing on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX  XXXX is reporting on a that debt I do not owe. This debt is really old and past statute in TX. I do not owe this debt and it needs to be removed off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: IL
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 filed for Fraud Alert or Identity Theft last XX/XX/XXXX due to using of credit card services without my consent. I pulled my report last XX/XX/XXXX and found another fraudulent credit card account from XXXX XXXX XXXX with account number XXXX. This is seriously fraudulent and extended credit without contacting me personally to verify my identity.

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 2023-05-20
Company: CL Holdings LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing a complaint against Jefferson Capital Systems who has illegally accessed my personal financial information and used it for their own gain. They have underhandedly used the following set of USC Codes to obtain debtor information in order to collect on a debt that I do not owe : 15 USC 1692e, 1693-1693r, and 1693e. 15 USC 1692e of the Fair Debt Collection Practices Act, states that debt collectors are prohibited from using false, deceptive, or misleading representations when collecting a debt.

The Fair Credit Reporting Act, as outlined in 15 USC 1681-1681u, sets standards for credit bureaus and third-party debt collectors to maintain consumer credit information. It also requires them to provide debtors with accurate credit reports and dispute inaccurate information.

Furthermore, the Unfair or Deceptive Acts or Practices Act ( UDAP ), as stated in 15 USC 45-56, prohibits Jefferson Capital Systems from engaging in unfair or deceptive practices when collecting a debt. This includes misrepresenting the nature of the debt or the amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification on my mortgage  XXXX / XXXX / XXXX  due to loss of income from my son turning  XXXX . SS was due to income because my husband passed away  XXXX . I was told by SS when my older son graduated the difference would go to other son. However that was not the case. I was approved for  Modification   XXXX   XXXX ,  XXXX  in which my payments became affordable. I signed all docs and returned them. I have been making the payments that have been agreed upon.  XXXX   XXXX  I received call from Mortgage company advising they where to send new docs. New docs where sent out and received them  XXXX   XXXX  via  XXXX . Upon reviewing MOD was changed and payments increased. I was told never told why I was getting new ones. I took info to agency that helped me get MOD. I gave them authorization to request info. She was told mistake was done in  1st  MOD since property is MH. I was finally told by Mtg that yes it was a mistake also. My payments have been made and have been accepted by Ditech.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: MD
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. 

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, 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 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 2018-10-25
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
On XX/XX/2018 I went to well fargo XXXX XXXX XXXX XXXX to do an currency exchange for XXXX currency. The bank did not have the proper envelope to do the exchange advised me that they would get the correct envelope. The gave me a call about XXXX XXXX and I returned the bank around XXXX XXXX that day. I walked out of wells fargo with XXXX us dollars. Today at XXXX XXXX XXXX i was informed by wells fargo agent that the XXXX dollars were out of circulation and that Wells fargo would be debiting my account for the XXXX. The bank at the time should have known that the dollars where out of circulation.

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 monetary relief
Consumer complaint received 2023-05-01
Company: Block, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Sometime before XX/XX/XXXX, Cash app closed my account but I was never informed of this until I needed and attempted to use the app to send my friend some money. They say I've violated the terms but I hardly use the app and they are obviously mistaken. My entire history over the last year comprises of 5 transactions : My friend payed me back for a loan I gave him, I cashed out that payment to my bank account, then I've sent money 3 times to friends using my linked debit card. It's not possible I've violated and terms and Cash app has never specifically informed me what terms were violated. I sent a message to Customer Support on XX/XX/XXXX requesting further information, I sent followups several times since then and there is still no resolution, yet I'm assured each time that my case has been " escalated '' and their " team is working to resolve '' the issue. It's completely unheard of for something like this to take this long to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I tried to log into my MoneyGram account to send my mother {$100.00} on XX/XX/2021. When trying to log into my account I was told that my account was unavailable. I contacted customer service by chat. The representative researched my account. She told me that MoneyGram had closed my account due to prior loss of money. I had an issue several months ago where I sent a wire transfer to an individual. I never received the product, nor did I receive my money back. I did report this issue to MoneyGram at that time, and did not hear anything back. Why am I being penalized by having my account closed when I did nothing wrong? I reported the issue that occurred several months ago when it happened but didn't hear anything back. Also, MoneyGram never notified me that they closed my account. I find the closure of my account to be on unethical. Why should my account be closed for an issue that was not my fault? I was the one that was scammed several months ago. This issue with my account being closed and me never being notified forced me to search to find other options to send my mother {$100.00} that she needed emergently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: SYNCHRONY FINANCIAL
State: CT
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 an identity theft victim, my information was used without my consent to apply for a Tj Maxx credit card. That application was submitted to XXXX XXXX/TJ Maxx in XX/XX/2018 using my information. I obtained the assistiance of a fraud detection agency and their office is working on my behalf to resolve the issues however XXXX XXXX/Tj Maxx has not remove the fraudulent inquiry after an official dispute was provided to them XX/XX/2018.

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 2022-09-29
Company: Experian Information Solutions Inc.
State: MO
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 have been disputing for the removal of the fraudulent items that are still reporting on my Credit file despite the multiple letters and cfpb comlaints I have been submitting to the Credit Bureaus. It also has been brought to my attention that the Credit Reporting Agencies are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this CFPB Complaint to help establish a legal recourse. If the Credit Bureaus choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items that resulted due to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5600.00} XXXX XXXX Balance Owed {$4300.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX. If the Credit Reporting Agencies claim these items are 100 % accurate and verifiable then I need the Credit Bureaus to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file the Credit Bureaus maintain under my Social Security number.

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 2022-09-29
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: Account status incorrect

Complaint:
I have been trying remove this charge off of my credit report. This is not accurate and needs to be deleted off my account. The creditors are not doing their job and this is hurting my score and Im trying to start a business and get a home. So please help me out. 

( 5 ) 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. 
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My daughter and I have a joint cc with Capital One. XX/XX/2023 got letter from Capital One saying a credit card acct opened that we did not recognize, ending in XXXX. We called them to say no, we did not open this account, we think it was fraud. We thought a fraud investigation was opened from that call. We then called XXXX to notify them. We got a letter soon after from XXXX saying this was now closed and was resolved. We requested a statement and were told our cards were canceled out. We waited for quite a few weeks and no statement came. Finally a report came from XXXX and showed that {$30000.00} was charged to the CapOne card and showed other addresses and phone numbers- not ours. We called CapOne to tell them- they said there was no fraud investigation opened and that someone had reopened our account. We said we did not. They said someone did and that we owed these charges. We escalated to the fraud dept. and talked to someone to explain the whole situation again. They said they would investigate. We called XXXX again to remove the fraudulent addresses and phone numbers and tell them what was happening. A few days later we got the CapOne statement and it showed multiple credit cards opened under one account and showed another person 's name on the bill. It showed thousands of dollars charged in Georgia and California. Not once had CapOne called us to ask if these charges were us, or if we had moved out of state or gone on vacation like most cc companies do when there are suspicious charges. We called CapOne to tell them about all the out of state charges and the unrecognized person 's name on the bill and they said that person must have my license and social and there's nothing CapOne can do to help, that we are responsible. We also got a letter from Cap One saying we or another user benefited from these transactions so we owe them. The letter also states that I opened these fraudulent accounts and interacted with this account which is patently untrue. If they just listen to the recordings they will hear this. The unrecognized name that shows up on the bill is a man names XXXX XXXX in GA who is in jail. CapOne has been wholly unhelpful and mostly uncooperative. We asked why there was XXXX XXXX in charges when the limit was XXXX XXXXXXXX for XXXX years and CapOne had no answer. This was gross neglect on their part on many levels.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: EQUIFAX, 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: Account information incorrect

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Maximus Education, LLC dba Aidvantage
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:
Hello I requested a refund from my student loan payment I made XX/XX/XXXX. Which was during the pandemic, so I requested a refund with my federal student loan services Aidvantage XX/XX/XXXXXXXX. I called the every 3 weeks since my initial request and no update besides my balance being updated on XX/XX/XXXXXXXX I keep getting the same response from customer service saying its process buts its been 10 weeks. They said after the balance is reinstated theyll mail the check to my address listed on my Aidvantage account. Can you please expedite the check to my address on my Aidvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I received a letter from XXXX stating that the Biden Administration paid off my stiudent loan in full. I decided to check my credit report 30 days later on XX/XX/XXXX with XXXX. The balance of {$36000.00} had not changed. I filed a dispute on XX/XX/XXXX, but when investigated, nothing changed. I then tried to see if my XXXX or Experian account balances had changed- they did not. I filed a dispute with XXXX on XX/XX/XXXX, the report came back with the baance not changed. I filed another dispute on XX/XX/XXXX, but still nothing had changed. Keep in mind, I attached the PAID IN FULL letter from XXXX each time. On XX/XX/XXXX, I filed a dispute with Experian, but the results of the investigation were the same - no change in the balance. I am at the END of my rope. What can a consumer do when credit bureaus refuse to update? I have also contacted XXXX by phone on XX/XX/XXXX, XXXX and XX/XX/XXXX -- and they claim they are sending the updated information to the bureaus.

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