BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-15
Company: Square Inc
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XXXX. I was mislead by a scammer on the internet posing as someone who wanted to help a college student financially by sending me money. They first " got to know me '' and then said I would get an allowance of XXXX $ a week, just for companionship and talking with them. He then had me do an " errand ''. He sent me a check for {$2500.00} and asked me to deposit {$2200.00} of it into Cash App. Somewhat suspicious, I called my bank and ask if the check cleared. They said yes ( little did I know a check can take weeks to clear ). After I deposited the money into CashApp and sent it to the username on CashApp of " XXXX XXXX '' ( who also had another account " XXXX XXXX ''. I was extremely suspicious. I looked on the check that was sent and called the bank which is was from. I asked them if the listed account number had funds available and they said no. That is when I knew it was a fake check. So basically they gave me a fake check, had me transfer the fake money into a third party cash website, and I am left to pay the {$2200.00} back to the bank. I have contacted CashApp Support an insane amount of times, asking that they please refund my transactions, because they were a scam. Notoriously, they did not respond. Many forum pages talk about how bad Cash App is about scams and dealing with them, and they feel no responsibility toward victims of internet crime. I should have got my money back under the " Merchant didn't hold his end of the bargain rule '' by default, by providing no service, no product, except stealing my money. I emailed CashApp multiple times regarding this issue just to get an automated " sorry, nothing we can do '' message. Taking the loss for the scam is going to seriously damage me financially. Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-11-21
Company: MOHELA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Mohela has placed an administrative forbearance on my account. I have a $ 0 monthly repayment at the moment so there is no payment due but I have been placed in forbearance and can not make a payment on my account now even if I were to have a payment. They will not answer the phone even though I have waited on hold for upwards of an hour. This is completely unprofessional and a terrible way to handle someone's fiscal accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-08-05
Company: EQUIFAX, INC.
State: NV
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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I will take further actions if these were not solved as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Good Morning. This is my XXXX  attempt to reach out to you. I have gave the lender everything they needed with the Documents and I always keep in touch with them as well. The last Document they needed was occupancy of my home. Which I sent already. I just went to Doctors yesterday and got my results back. I have XXXX. and so does my Son. I can hardly move, my whole body aches, and I can't swallow, sore throat. My younger Daughter will probably get it next. I hope you take this claim seriously. Because this is really serious and hard for my Family and I to lose our home. I have XXXX XXXX XXXX lined up for Interviews. But I need to fight this virus and take care of my kids so I can get back to work. We have also need to XXXX. Doctors my Doctor said. We really want to save our home not sell it. Please help! Thank 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 explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE 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: Account status incorrect

Complaint:
It is Transunions duty according to the FCRA to report correct and accurate information on my credit report and file. They are not. Transunion is reporting an inaccurate late payment for the XXXX XXXX account ending in XXXX. This is a 30-day late payment posted on XX/XX/2022. This is incorrect and is required to be reported as PAID AS AGREED. 
Also, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. Reporting the inaccurate late payment results in Transunion violating my federally protected consumer rights. 
Additionally, I did not give Transunion written permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2020-12-16
Company: EQUIFAX, INC.
State: AR
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 was recently in the car dealership XXXX XXXX in XXXX XXXX, AR. I was dealing with a new sales representative and I gave the rep my information but explicitly told him multiple times that I had good credit and did not want them to pull a credit report until we agreed to a deal, then we could run the credit and everything. The first day we did not come to an agreement on the deal. The following day I was told they could make some modifications to the car, I told them that if those modifications were met then I would make the purchase. I told the sales rep to contact me with to verify the new tires and wheels were what I was wanting. I never heard back from him until after the tires and wheels were switched. I got several alerts from my credit monitoring before the switch was made. I contacted the dealer and asked them why they had run my credit because the wheels and tires were not to my satisfaction and the deal was not agreed to. The sales manager told me that once it hits his desk it's ready to go. I told the sales rep that I did not want my credit run and there was a pause between the two and the manager just said I don't know and walked off. Bottom line is there was a clear lack of communication between the two and this resulted in my credit score taking a hit. I do not feel that that should affect my score when I told him multiple times NOT to run my credit until I give them the ok. This is a training opportunity for the dealership and the need to communicate better instead of making promises they can not keep.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Waypoint Resource Group, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am very protective of my identity as I noticed this collection was added to my credit reporting with all three bureaus. First you guys are falsely reporting information that does not belong to me. You have a different name that does not belong to me. An address attached to that collection does not belong to me. This must be removed immediately before I have to take legal actions against you guys for false accusations. I have researched and reached out to the original company, XXXX, and they have no records of me ever having service with them thats associated with my social security number. You guys cant be threatening people with information that you assume can be theirs. You cant pick and choose who the collections belong too. This account was also falsely open without my permission and my social security number was never used for my identity protection. If you can not prove that this is me, remove this account immediately or I will have to service the next step into legal actions.

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 2023-07-15
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:
My account with XXXX XXXX XXXX XXXX has been charged off yet they continue to report both the charge off and late payment every month. I'm being penalized 2x for the same account. I checked my on line account with XXXX and they have a monthly payment due each month, yet there has been no agreement after the charge off. I've contacted XXXX and Equifax. XXXX advised I call XXXX directly on XX/XX/. On XX/XX/ I called XXXX in which they transferred me from several departments to redirect me back to the credit bureaus. 

I'm trying to get clarification on the how the information is being reported but no one is able to answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Harris & Harris, Ltd.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On XXXX, I received notification from a credit reporting agency that a derogatory account was reported by HARRIS & HARRIS for {$200.00}. The original creditor was said to be XXXX XXXX XXXX. I have never received written notification from Harris & Harris nor knowingly received a service or bill from said creditor. I have no prior knowledge of this alleged debt. Furthermore, last year I began receiving repeated calls from a number I now know to be Harris & Harris. They repeatedly and continuously called at all hours of the night and on holidays. On the occasion that I would answer, the caller or automated system would immediately hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Back when homes were underwater during the real estate bubble time around 2005 I purchased my home, a couple years later I fell into foreclosure due to marital seperation and was struggling to make ends meet with a young child. What helped me was a hamp program I entered into I believe but am not sure was called the principal reduction act. 

With this program after 5 consecutive years of compliance with the program the 50k loan was forgiveable. My loan was transferred from XXXX XXXX aka XXXX to Rushmore Mortgage. For years all I have done is work and work. I thought I would now be able to request a Heloc loan or refinance to be able to get a small portion of the homes equity and open a XXXX XXXX XXXX XXXX  and when I tried to do so was denied by several lenders for having a second principal which was to my surprise I thought it was satisifed. ( See Satisfaction of Mortgage ). When I tried contacting Rushmore about it and provided supported documentation they told me they would be researching, then today I was told to resolve it with XXXX. Quite frankly I am exhausted of trying to put the effort to get someone to resolve this and really need some help with authority in making these folks correct there wording in a payoff and correct balances, and stop jeopardizing my future. I am sure I can not be the only one this has happened to. Attached is the XXXX evidence when it was paid on XXXX, Satisfaction of Mortgage, and also how it is currently reflected as a 2nd principal balance on a current payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED DO NOT BELONG TO ME THE ACCOUNTS ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XX/XX/XXXXandXX/XX/XXXX CRAs. On XX/XX/2020, I mailed Equifax, XX/XX/XXXX and XX/XX/XXXXto Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: WELLS FARGO & COMPANY
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I got XXXX  in XX/XX/, and I have been dealing with long XXXX  symptoms since then. This impacted my ability to work and gain clients because of the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I took out personal loans to try and stay afloat, but I could not cover the payments for my business card with Wells Fargo in XX/XX/. I was current on my payments on my personal card and had made nearly {$6000.00} in payments the previous XXXX months. They closed my personal card in XX/XX/XXXX  after I made my last payment of {$450.00} on XX/XX/, and expected me to keep making payments. 

I did not make any more payments as they closed my account that was current and over a decade old. I was defaulting on other payments. Wells is suing me for the XXXX XXXX. I am fighting it because they closed a current account on someone suffering from XXXX XXXX symptoms. Wells doesn't need more profits. They made XXXX XXXX last year.

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 2022-02-02
Company: Experian Information Solutions 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:
To Whom It May Concern, This letter is a formal complaint that the following companies ( XXXX, XXXX, Experian ) are reporting inaccurate and incomplete credit information. 

I am distressed that the aforementioned entities have included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they've published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated and deleted from my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 


The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 please correct

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of the Equifax data breach. I have been harmed in various ways and have been fighting to remove multiple collections, inquiries and accounts that are not mine. Recently I had a fraudulent account added to my credit report which I had come back verified from ethe company " XXXX '' that this was a fraudulent account. XXXX has removed the account and alleged debt from my XXXX report, as well as, erased the debt. Yesterday XX/XX/2023 I submitted a dispute to Equifax letting them know I have been effected by their security breach and that the XXXX account was not mine and needed to be removed. Today XX/XX/2023 I was told by Equifax that the " looked into the account and it came back verified ''. This lets me know my information is NOT being protected and they failed to do their GRAVE duty of actually looking into this account and making sure my report reflects " maximum accuracy ''. I would think that after I have already suffered harm because of this data breach they would be more careful to be sure I didnt suffer additional harm, yet that clearly DID NOT. this is abusive practices and it is unacceptable. If I asked for you to investigate something on MY credit report, that effect mine and my children 's livelihood, that's what I expect to happen and you have WILLFULLY not done that

Company response to consumer: Closed with explanation