BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-18
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I requested a transaction thru Cash App ( XXXX XXXX XXXX XXXX XXXX CA XXXX ) However, I selected the wrong tag. It was intended for my niece XXXX XXXX ( XXXX XXXX XXXX ) but I sent it in error to XXXX XXXX ( XXXX XXXX ) my niece 's maiden name begins with an XXXX so that's why I thought it was the right one. And I didn't expect anyone else to have the tag of XXXX XXXXXXXX. the error was mine. However when I realized that my niece did not get the funds I tried t reverse the transaction and I called Cash App as soon as they opened. They advised me to send a refund request to the recipient and there was nothing else they could do. I sent the refund request and the recipient declined to refund the money. Cash App gives the recipient the option to say yes or no to refund the money which I feel is wrong. I don't understand why they couldn't have reversed the funds back out of the acct. I have contacted Cash App several times but they maintain that they are unable to help. I also contacted my bank and they explained that since my bank didn't send the money directly to the person there's not much they can do. However, they tried. My bank reversed the transaction so the funds were back in my account however, after contacting Cash App they advised that they would be removing the funds again from my account. I had just borrowed that money from XXXX XXXX to catch up on bills. Is it legal for someone to keep money sent to them in error?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
There was a promotional offer with this bank issued the store credit card to pay the full amount within one year to avoid getting interest charges. This offer ends on XX/XX/23 I was traveling overseas and as soon I got back I gave the bank a call on the XXXX to process the payment and waive the interest charges in the amount of {$500.00} XXXX which the bank represented agreed to do if the payment is received in full before the charged interests. I could not process the payment on my end since I did not get the correct amount balance prior the charges so I called the bank on Tuesday however the department responsible for processing the payments was closed for the day. Called again today XX/XX/XXXX to process the payment before the interest charges have which I did pay {$730.00} however the bank representative did not honor the interest charges waive agreement and did not even accept to calculate the days I was late to make a payment after the offer expires so I can get only charged for those days not the entire month. Please review and your feedback is highly appreciated!

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 2023-08-28
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
**** Human manual review only, No automated system please. Be compassionate **** Please see the issue where you all reporting that the details of the XXXX XXXX XXXX XXXX show that there is no first date of delinquency or late payment however when I click on payment history you all are reporting la late payment. Equifax has it as 60 days on XX/XX/2022 and both XXXX and XXXX has it as 30 days in XX/XX/2022. Please see the attachments. This is an error. If there is no date of first delinquency because I have never been late. The manager at XXXX XXXX has some personal issue against me and keeps violating FDCPA laws to keep false reporting back to you all confusing details of a late payment that never happened. I have called paid off the balance on this account and they are just being petty and stubborn. This is against FCRA. There system is clearly wrong since it cant even report a delinquency date and cant even report the same to all credit reporting companies. There should be no red for any month indicating any late payments! There should only be green check marks to show that there were no missed payments. You all keep making inaccuracies on it. I would rather you all delete the account now. Though it will hurt my average account age. Its better that, than you all keep inaccurately reporting late payments on an account that was never late and has been paid off. I don't ever want to do business with them because of how they took advantage of customers during COVID. They are not supposed even report any late payments to to federal laws that were passed for that time. Credit reporting companies are required to comply with the law, by deleting these late payments or removing the accounts if the creditor keeps ignoring the law and fail to comply with reporting restriction. Asking them to keep this verify and automatic reporting look going is just wrong and illegal. I am suffering because your personnel or the systems you use are constantly presenting false and inconsistent information to the public. You all will be held accountable for violating my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Rep at Transworld Services Inc called ( Second Time after I had asked for verification of debt that I never received and told them all communications must be done via mail going forward ), I missed the call and decided to call back. Upon doing so I was told the company name and that they were calling to speak to XXXX XXXX. I did not verify who I was or if I was who they were looking for. I simply stated, what is this in reference too. The rep on the end of the phone, without verifying identity stated " XXXX XXXX ''. This breaks FDCPA guidelines concerning releasing information to an unknown party. I could have been anyone on the other end of the phone and she just stated that she was calling concerning something related to XXXX. Not only does this go against FDCPA guidelines but HIPPA. You disclosed that I have a bill due to XXXX, who is a medical office taking tests. Which means you just told someone I had testing done for unknown reasons. If it had been a family member that could have caused major issues. Not only that, I had requested the last time I spoke to them to mail me verification of debt to the address they have in their systems and to do all further communication via mail. This counts as a verbal cease and desist which is another violation of FDCPA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo claims to have responded to numerous prior CFPB complaints regarding missing remediation payments in the amounts of {$3700.00} plus IRS taxes and {$500.00}, also including IRS taxes. I've reviewed replies and they either refer to checks as cashed and or verify address, refer to prior replies which also state the same, checks cashed and or address verified. I can assure the CFPB address was not verified and checks were sent to old address in which case, not cashed by myself. I moved to current address at XXXX XXXX XXXX, XXXX XXXX, CT XXXX in XXXX of 2020, payments were sent to old address at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX Further, neither payment covers damages sustained to date by these unauthorized accounts, which I detailed in prior complaints, also unresolved. The payment in amount of {$3700.00} was reported to IRS for tax year 2020, needs to be corrected to show no payment received. Needless to say, past CFPB replies do not address issue of missing payments and inadequacy,, also stated in prior replies which Wells Fargo reps have not refuted. Further, no affidavit for checks cashed fraudulently sent to me.. Also, I requested statement copies mailed to me for all accounts, past and current, nothing received to date via postal mail. These statements are needed for investigation by an attorney.. Alternatively, Wells Fargo has the opportunity to resolve matter by offering a reasonable settlement amount including missing payments which I detailed in prior CFPB complaint, no offer provided. Good faith attempts were made by calling Wells Fargo remediation at XXXX, spoken with several supervisors including a XXXX and XXXX, they have no information in regard to missing payments or request for reasonable settlement offer to date. Also, I've been calling Wells Fargo Executive Phone Bank at XXXX, spoken with numerous reps, referred to either XXXX Settlement which has nothing to do with remediation or given a case number in which case, nothing done, case closed out with no resolution.. In closing, please advise Wells Fargo they still have an opportunity to resolve directly by offering a reasonable settlement amount including missing payments.

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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, 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:
Delete all the fraudulent inquiries. as listed below. 
XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX AUTO on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX on XX/XX/XXXX, XXXX on 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 2023-05-04
Company: Rent Recovery Solutions
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rent recovery solutions has provided me an incomplete invoice with my name on it from an apartment that I have never had a lease at XXXX XXXX XXXX  and has refused to remove the inaccurate and incomplete charge that is attatched to my credit report. Invoice is incomplete and does not add up to the amount that is being said I owe. I have no lease for these apartments and there is no information that says I owe this debt but name. I am asking that this be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-08
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
Original XXXX XXXX XXXX XXXX of Dispute- $ XXXX XXXX XXXX XXXX after my XXXX XXXX XXXX- XXXX I have insurance and told them all the information and to go after them ... .they didn't do that and sent me to collections- XXXX XXXX ... I told XXXX XXXX the same thing ... .go after the insurance company- XXXX XXXX XXXX .I don't think this is fair that it is on my credit report ... .I am trying to get a house and this is really hurting my score... Please help... Apartment rent is killing me and the little house I want will be XXXX cheaper in bills per month ... I am XXXX XXXX XXXX and have a XXXX  XXXX ... .Thanks

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 2022-06-13
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: Credit inquiries on your report that you don't recognize

Complaint:
there are unauthorized inquiries for XXXX  XXXX on my report. The credit bureaus allowed them to get my information now someone has a credit card in my name and now I am a victim of identity theft because they pulled my reports without my consent.

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 2023-10-11
Company: CITIBANK, N.A.
State: VT
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:
On XX/XX/XXXX and XXXX two fraud transactions occurred on my account for {$1600.00} and {$1500.00}. Towards the middle to end of XXXX I noticed the fraud transactions. I opened a dispute with the credit card company - Citi Mastercard. Citi master card investigated and determined the transaction was indeed fraud and notified me the transactions would be removed from account. This notification was received on XX/XX/XXXX. The fraud transactions have not yet be removed from my account. I have contracted Citi Master card multiple times both written and phone calls without resolution. Below is one my letters to Citi Master Card detailing the issue. 

Hello, On XX/XX/XXXX I received notification the billing dispute has been resolved and as a result the disputed charges and any related fees and interest charges have been removed. As of today XX/XX/XXXX at XXXX XXXX the disputed charges are still showing on my account along with an account balance of {$1500.00}, which includes the disbuted charges. The true account balance is {$0.00}. Please remove all transactions as stated in the letter ASAP and bring the current balance to {$0.00}. 

Disputed charges to be removed : XXXX Statement XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX Interest Charge on Purchase {$4.00} XXXX Statement XX/XX/XXXX XXXX XXXX to Acct {$1600.00} XX/XX/XXXX Interest Chrg Reversal - {$4.00} XX/XX/XXXX Credit Adj to Acct - {$1500.00} XX/XX/XXXX Credit Adj to Acct - {$1600.00} XXXX Statement XX/XX/XXXX XXXX XXXXXXXX {$1500.00} Recent Activity XXXX Credit Adjustment to your account - {$1500.00} XX/XX/XXXX XXXX {$1500.00}

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 monetary relief
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: GA
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 am a living human being, I have rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts below be removed because According to 15 USC 1681 : I have the right privacy and I did not give XXXX written permission to furnish these accounts : XXXX XXXX XXXX 
Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-12
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: Was not notified of investigation status or results

Complaint:
I sent you a dispute letter over a month ago ( XX/XX/2022 ) and I was expecting you would give me some kind of response since that's what the FCRA requires you to provide an update within 30 days but I don't know what happened it seems I need to seek help from CFPB first before it gets noticed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep.

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 2021-03-21
Company: BYL Collection Services
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I moved out of my apartment at XXXX XXXX, owned by XXXXXXXX XXXX XXXX. They alleged that I had caused excessive damage to the walls and carpet and that I should owe {$500.00}. They failed to provide notice of my ability to be present during the inspection and when that inspection would be able to be scheduled as outline in TN Code 66-28-301. I simply received an email with pictures allegedly taken of my apartment after inquiring about the debt. The lady I emailed said she had no pictures of the carpet so she would remove the {$200.00} posted for that and I would only owe {$300.00} for paint. First, the pictures provided appear to be of a dark coloring on the wall that could be black mold they are trying to pass onto me. Secondly, the alleged damage is a superficial discoloration of the walls. Even if this is not black mold, this is certainly not damage resulting from my neglect or abuse. The email claims for this damage to be caused by " bed head '' is from " oils off your head, sheets hitting the walls, wet hair all kinds of thing. '' The first picture shows an area right next to the floor of the unit, nowhere near where my bed was positioned in my room, so oils from my head, sheets, and wet hair couldn't have been a possibility. 

I tried explaining this to the staff and in XX/XX/2020, but they were unrelenting and have pursued a collections debt against me by BYL COLLECTION SERVICES for the fraudulent {$300.00} charge. 

I have attached the photos of the collections debt I have on my credit report, photos I received of the alleged unit claimed to be mine, and of other 's photos of black mold to show the comparison.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
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: Personal information incorrect

Complaint:
I am seeing incorrect information on my credit report, such as my name Date of Birth Address Place of employment etc. 
I have highlighted the information in red that are incorrect.

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 2023-03-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I am furious, this is the third time now trying to get answers to this problem, wells fargo is now denying even having been invovled with our mortgage loan, they stole our house in 2011 i have all kinds of fraudulent paper work from them and they will not give us answers as to why they stole our house, we want someone to do the whats right.

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