BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-13
Company: Block, Inc.
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Transactions keep appearing on my cashapp account from XXXX that I didn't authorize. One on XXXX for {$1.00} and another on XXXX for {$2.00}. I was flying on an airplane during the date and time it's saying the {$1.00} transaction occurred and I did not make or authorize it. I will attach proof of my flight itinerary on XX/XX/XXXX. And I was at a birthday party on the date and time they are saying the {$2.00} transaction occurred. Cashapp which is run by XXXX XXXX  denied all of my recent disputes. Their response said I authorized both transactions. This is not true. Neither the {$2.00} or {$1.00} were authorized by me and I have no idea who the company XXXX even is. I would like for the Consumer Financial Protection Bureau to investigate how Cashapp and XXXX XXXX handle disputes. I requested documentation of what they used to decide the dispute and all the sent was the transaction date and time and that my card wasn't present for the transactions. I will attach all correspondence from them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: CO
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:
There are 3 unverifiable collection accounts on my credit report that Equifax is reporting. I sent a certified letter on XX/XX/22. I have not received a response nor have they notated the accounts as being in investigation. There is no creditor, collection agency listed on any of these alleged accounts to contact for a validation. 

Ive included the letter I sent Equifax as well as the credit report showing all three accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 another endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 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 explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I sent a AFFIDAVIT OF DEBT VALIDATION REQUEST by certified mail I followed up 28 days later with a NOTICE OF CEASE AND DESIST letter because none of the requested documents were sent by XXXX  I am not refusing to pay debt I am simply asking for proof of claim

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 2023-09-10
Company: EQUIFAX, INC.
State: AZ
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:
There is a HARD inquiry on my credit from XX/XX/2023 from XXXX that I KEEP trying to dispute. The credit company equifax is making this incredibly difficult to deal with. When I dispute there is NO OPTION TO ADD MY DOCUMENTATION. Then it says after submitting to send documentation to them but never provides ANY instruction on HOW!!!! How is this helpful for a consumer??? Not to mention I had to dispute the account that was fraudulently opened as a result of this inquiry. They had no issue removing the account, but the inquiry? Nope all of a sudden they have no clue what I am talking about. This is so predatory and against the consumer!!!! This was NOT AUTHORIZED. I HAVE A LETTER FROM THE COMPANY STATING THEY COULDNT CONFIRM I CONSENTED TO OPEN THE ACCOUNT OR CONFIRM IT was mine!! REMOVE THE INQUIRY IMMEDIATELY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
On XX/XX/2020 I noticed several fraudulent charges on my account dating back to XX/XX/2020 I disputed the transactions then in about 10 days I get an email from capital one saying they denied my disputes because they found no error 's. I called and Spoke with XXXX XXXX ID # XXXX who works in the Fraud Department at Capital One and he was immediately rude, evasive, and you could tell that he absolutely did not want to answer any of my questions or even talk to me. I asked him several questions which he either did not answer or just blatantly lied to me when he did answer. After asking about an XXXX dollar transaction I was told they contacted the merchants to verify the validity of the charges however all the fraudulent charges took place online so how are the merchants going to verify that they sold anything to me? At most they can only say we sold something to someone who was using his debit card. Anyway XXXX finally just told me " You are too much of a risk for us '' so we are going to no longer do business with you and their will be no further investigation our decision will not change your not getting your money back and furthermore we aren't going to do business with you anymore. I asked him if it wasn't just a bit too convient that capital one owes me almost XXXX dollars in fraudulent charges and then they decide they just cant take a risk by doing business with me anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights. 

15U.S.C 1681 Section 602A.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.

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 2019-01-27
Company: Financial Management Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have been disputing a rental collecting that was place XX/XX/2015 as a collection on my credit report. The balance started at {$5300.00}, then it changed to {$5400.00}, and change again to $ XXXX.They have been reporting inaccurate information and unauthorized activity occuring on the account such as a payments made on the account and showing different balance amounts owed. When asked the collection company to verify payment on the account made to the account, they remove payment from the account. This collection company called people in my family and even sent the debt information letters to their homes, they have call previous jobs telling them that I owe them money. The collection company also place multiple inquiries on my credit report to get information illegally off my credit, and using previous addresses to mail information of the debt that went out to old, or inaccurate addresses. I disputed their inquiries had them remove from my credit report and had to place fraud alert to block them from continuing to place many inquiries on my credit. I even dispusted the fraudulent acivities made on the account to Credit Bureau and have shown that they continuiously violates the FCRA. Lastly they use illegal tactics to sue me, and I was not aware of the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A : States I have a right to privacy.

15 U.S.C 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 was sent information on letters stating that they verified it through the original creditor, but don't state how nor was any proof given. I was only told that it was verified through XXXX XXXX also that they purchased my info from them. They also advised me that they received this through third party public information. This alone is violations under FCRA and USC laws. These laws state that I have the right to privacy which means 1 did not give them authorization to report this on my behalf. FCRA 623 ( a ) ( 5 ) states if the credit bureau cant VALIDATE the information with the ORIGINAL CREDITOR they must remove the information from my report.

I. WHAT YOUR COMPANY NEEDS TO KNOW 1. Please be aware that I dispute the information ( U.S. Bankruptcy Court item ( s ) ) contained in my credit/consumer file.

2. I carefully investigated this incident, the U.S. Bankruptcy Court never provided any information to your company, nor do they ever validate and/or confirm public records ; 3. The public records information is never validated by the Recorder of Deeds nor the U.S.

Bankruptcy Court system due to the Fair Credit Reporting Agency Privacy Law ; 4. The U.S. Bankruptcy Court confirmed that your company has never validated or verified this public record entry on my consumer/credit report, neither will they ever be by them. They further stated while they are not liable or responsible for any misuse or incorrect public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly ; 5. Your company reported unverified derogatory information to my consumer/credit report ; 6. Your company failed to provide me with competent and documentary evidence to prove that the disputed information is verified. The law is clear : " If the CRA can not validate the information with the information furnisher, CRA must remove said information from the consumer file '' ; 7. According to the FCRA, I have the right to an accurate consumer/credit report.

YOU HAVE 15 DAYS FROM RECIEVEING THIS TO REMOVE IT or I will file a lawsuit.

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 2022-06-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mother passed away on XX/XX/2020. The mortgage company Select Portfolio Servicing ( SPS ) and their legal counsel has violated the CFPB ruling that when a borrower dies the mortgage lender must work with the surviving family members. 

We have made several attempts to work with SPS to have the mortgage changed to the family. In XXXX of XXXX  I sent the copy of the death certificate. It took almost several months for SPS to confirm the death certificate was received. In the mean time SPS started foreclosure proceedings. I sent a copy of the death certificate to the attorney who represents SPS. After several emails and phones she understood the family wanted to keep my mother 's house. Nonetheless, SPS nor the attorney would give the family the legal opportunity to have to mortgage put in the name of the heirs. 

It will be two years this coming XXXX since the death of my mother. As of today the house has gone into foreclosure, and has been sold. I would like to file a complaint and get information about what legal actions for discrimination, violation of RESPA, and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Account Resolution Corporation
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to save my home and the lender continues to play games with my loan. They first messed up on my original review and tried to blame the reason that my counselor had given the wrong answers. After waiting over 4 months for them to close the previous review they are continuing to misplace my information. 

My counselor XXXX XXXX called them on Monday XX/XX/XXXX and they advised that I could move forward with 2 options. A partial claim by itself or a HAMP with a partial. My counselor advised them that I want the HAMP with a partial claim because that would benefit me the most. 

Today on XX/XX/2021 they continue to ask the same thing over and over again! I have already advised them what would benefit me and I don't need them to give me another excuse!!!

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 2023-10-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-11-22
Company: Chime Financial Inc
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Yes I've been complaining and filing a dispute with chime banking against ring yearly plan, ever since XXXX of this year. I've contacted the chime dispute team multiple times on the phone and through emails about this dispute, in the past chime for the most part will honor any unauthorized transactions. but this particular transaction for {$39.00} they refused to believe that this is unauthorized transactions. they keep asking me to provide them information that I can't give them, because I have no dealings with this merchant! money was taken out of my account after midnight, without my permission I do not have a contract with ring yearly plan. there's still companies trying to take money out of my account after midnight and I've been asking Banks and other institutions to put blocks on these merchants. I'm also disputing with chime pertaining to {$100.00} that was taken out of my account from XXXXXXXX XXXX XXXX XXXX which happened XXXX XXXX XXXX XXXX. I need that money redeposit it back into my account that company is located in XXXX XXXX  I contacted Chim immediately when I found out this happened but now they claim they don't see it nowhere in the system meaning whoever I spoke with didn't file my dispute against XXXX t gas station so this will probably be a later complaint that I will file if this money is not honored into my account but for right now I like for your assistance for trying to put the {$39.00} back into my account like I've been asking them to since XXXX of this year. XXXX t gas station, off of XXXX and XXXX XXXX. my contact number is XXXX, if anyone need to contact me. but, yes, I would like to file a complaint against chime banking for not honoring my request for this unauthorized transactions from ring yearly plan in the amount of {$39.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo sided with a fraudulent company that I bought a flight ticket from. A business that was charged by the department of transportation for mistreating their staff and people with handicaps poorly. 

After banking with them for almost 20 years, I now realize they will never change. They will continue to be a shady institution that steals and cons their clients. 

After everything I went through with surviving XXXX. XXXX, Loosing my job, I have to deal with the emotional stress of dealing with this business. 

They garnished 2 weeks of my wages, to pay off what they owe to the 1000s of people they scammed. XXXX, I will be posting complaint after complaint. I will continue to look for additional information to support and corroborate my complaints against Wells Fargo for EVERY year, that I've banked with this scam of a bank. 

When the opportunity comes to take legal action, I WILL. Sooner or later... 

I won't ever forget, how your bank has treated me and other clients.

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 2021-09-17
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an alert from all three credit bureaus which are XXXX, XXXX XXXX XXXX stating that I owe a debt to PROFESSIONAL FINANCE COMPANY which is false information. I have no knowledge of this debt and tried to contact this company ( PROFESSIONAL FINANCE COMPANY ) by phone ( XXXX ) XXXX and have not received any response from them. It's my right to protect my credit from people like this. I would like them to prove that I owe this debt and if they can't I need it to be removed from my credit immediately. I pride myself on paying my bills on time. This is hurting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation