BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-16
Company: Colony Brands, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
a place called Ginny`s has been sending me bills saying I owe them over three hundred dollar. they say I ordered something and sent a bill, to be short. I notified the XXXX they produced some paperwork from Ginny`s, it showed were they added my email address after the fact. Wrong ss # and for sure wrong signature. after going back and forth I realized, they could only say bad things about them. can`t do nothing about the fact that they put it on my credit. all I have left in this word is my credit. I do n't want to have to go to jail because they think this is some kind of game or something, I told them if I have to pull a XXXX and sit my XXXX down on the bus then so be it. I`m trying to do the proper and right thing. I was a XXXX for 6 years this seems to me very simple

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: CA
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:
All the information listed is incorrect : incorrect addreses : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX This inquiries is unauthorized user : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX 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 2023-04-29
Company: Block, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I got a notice of an unauthorized transaction on XX/XX/2023 for a total of {$190.00}. I tried to dispute the transaction as fraud and unauthorized with Cash App but they denied my claim. I then took the complaint to my bank, XXXX XXXX and filed a claim, which was ruled in my favor and I received a final credit for the money that I lost. 

I received a message XX/XX/2023 that I had a negative balance in my Cash App account. Cash App charged me back for that previous unauthorized transaction of {$190.00}. They withdrew {$160.00} that I was unaware of from my Cash App balance and the rest was charged but caused my balance to go into the negatives. I called customer support and they told me that " the Add Cash transaction was reversed and the funds had been removed from your balance ''. They then told me to call my bank for further details. The bank told me that the claim was approved on their end and that it was Cash App trying to charge me back for that {$190.00}. So in the end, I am still losing money for that fraud charge. I called various times to Cash App and they kept repeating the same thing over and over and then at some point they would just hang up on me and even started to ignore me. They told me that there was nothing that they could do on their end and that in order to resolve this issue with the negative balance was to add money or get someone else to send me money. 

I am still being charged for a transaction that I did not authorize. My bank, XXXX XXXX credited me back this amount of {$190.00} but I am still being charged by CashApp.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Starting XX/XX/XXXX unauthorized transactions were being made on my PNC checking account through online purchases using my debit card number ending in XXXX. These are the transactions made in XXXX : XX/XX/XXXX {$82.00} XX/XX/XXXX {$30.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$380.00} XX/XX/XXXX {$110.00} I disputed these transactions and was issued a provisional credit. The debit card ending in XXXX was closed. On XX/XX/XXXX the provisional credits were removed from my account. PNC denied my dispute, I requested the reason and planned to wait for their documentation in the mail. 

On XX/XX/XXXX more unauthorized transactions showed up on my account. These transactions were online purchases, from the same merchant as my original dispute, and using the closed debit card ending in XXXX. I disputed this again with PNC and told them about the debit card being closed in XXXX. I asked how this is possible and they did not know. I also asked to appeal the denied dispute from XXXX. I was told the XXXX dispute was denied because a chip & pin was used. When I asked how one can use a pin & chip for an online purchase, they could provide no answer for this and agreed to file a new dispute for the XXXX transactions. I was instructed to wait for a response, which at this point I accepted. 

On XX/XX/XXXX more unauthorized transactions for online purchases from the same merchant and using the closed debit card ending in XXXX. I called to dispute again and requested this issue be escalated because this is very bizarre and I don't know how to make the unauthorized transactions stop. PNC also does not know how to make the transactions from the closed debit card stop, but they refused to escalate this issue. Here are the XXXX transactions : XX/XX/XXXX {$28.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$82.00} XX/XX/XXXX {$340.00} This has created an emergency situation for me. Now I have no money to my name. PNC has used this difficult time for me as an opportunity to sell me on their credit card. I was advised to sign up for a credit card with PNC so I can sustain myself until my next paycheck. Otherwise I have to wait for their investigation, all while this unknown person/people can continue to overdraw my account, for which I would be charged daily overdraft fees by PNC. They are unable to keep my money safe and unwilling to escalate the issue to prevent further withdrawals. I fear if I close the account entirely, I will not receive an adequate investigation from PNC for my current disputes. 

I would also like to add that I have been a customer with PNC since XX/XX/XXXX. I have disputed 1 other charge in that time. That dispute was 5+ years ago and for a small amount of about {$200.00}. That dispute was accepted by PNC. I do not regularly dispute my transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
i am being charged an extra XXXX dollars on my student loans that Nelnet nor the XXXX will assist with finding out why. Loans were consolidated and put as additional loans on my account and i did not consolidate. Both companies have stated that they have no record of an application being completed for the consolidation. i have a print of of my loans and they add up to an estimated XXXX plus interest of XXXX would equal XXXX but my loan account is showing XXXX no answers have been given and nothing has ben done between both entities. Please assist with this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I need from Wells Fargo a loan history and activity from XXXX to XXXX this includes principal and interest and taxies any every payment made to Wells Fargo.

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 2023-08-11
Company: EQUIFAX, INC.
State: NY
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:
I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: DE
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:
XXXX, Equifax, & XXXX are reporting a bankruptcy on my credit report and they did not obtain the information from the XXXX XXXX XXXX XXXX per the letter attached from the Bankruptcy Dept. Per Fair Credit Reporting Act, Section 609 they have violated my rights by providing false information obtained illegally. Im requesting the credit bureaus remove from the bankruptcy from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XX/XX/XXXX, Wells Fargo Bank was involved in online banking with my name and social security number. I received statements from Wells Fargo regarding several open checking and savings accounts. These accounts were opened using a fraudulent name and address and social security number. Upon receiving this statements, I immediately contacted Wells Fargo to report the identify theft. 
On XX/XX/XXXX, I received a letter from Wells Fargo saying that Wells Fargo will be closing the accounts on XX/XX/XXXX due to reports of identify theft. This is weeks after I reported the fraudulent accounts. 
On XX/XX/XXXX, I received a statement of accounts from Wells Fargo to let me know that my account options are online banking and my spending report. I immediately contacted Wells Fargo and their fraud department and I received a run-around. I talked to 6 different people, which are noted on the attachments, and received no satisfaction. 

I have never done online banking and Wells Fargo put me in jeopardy by not doing not doing any investigation by opening accounts, without proper verification. I have included two documents which I hope will shed light on this injustice done to a senior citizen. I am approaching my XXXX year and I can not believe it takes someone online minutes to open up a fraudulent account and it may take weeks or months for me to resolve this problem.

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 2023-08-04
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: 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 explanation
Consumer complaint received 2017-03-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XX/XX/XXXX, my wife and were shopping at XXXX in XXXX, MS ( store XXXX ) and went to pay with our recently established construction checking account with XXXX County XXXX. The check was for {$160.00}. The check was denied and we were shocked. We immediately called our bank and told there was plenty of money in the checking account. We then called Certegy, but were told that they could do nothing. We then wrote to Certegy Check Services and they replied with a 6 page document which did not give the reason for this denial. On XX/XX/XXXX, we had cashed a check for XXXX at the same store, same checking account. The only thing the 6 page letter told us was that our transaction fell outside of the guidelines Certegy has established for authorization. This is an inadequate response. We want to know specifically why they denied this transaction.

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 2019-01-30
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX   XXXX  XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX   XXXX XXXX ) XXXX , XXXX XXXX XXXX XXXX  ( Original Creditor : 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 2017-12-22
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I became aware that XXXX XXXX XXXX reported an alleged debt of {$1200.00} from an alleged creditor XXXX. I have no knowlwedge or any contract and communication with XXXX XXXX, XXXX about this alleged debt.

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 2023-10-25
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
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 had a mortgage with Wells Fargo since XXXX on an condo in XXXX, WA. I had set-up an auto-payment that pays the mortgage from my checking account every months. This year I was out of the US from XX/XX/XXXX to XX/XX/XXXX on a family medical emergency. During this time in XX/XX/XXXX, Wells Fargo sold my loan to XXXX and sent an mail to a postal address where I lived XXXX ago. Wells Fargo did not send me any emails with this notification. As a result of this I did not know that my loan was no longer with Wells Fargo and it had transferred to XXXX. As a result of this, I am 60-days late on my mortgage payment because I was under the assumption that my loan was getting paid by the auto-pay to Wells Fargo. I got to know about it during a Credit History Check and I immediately paid the full amount that was due. The delinquency status on my credit history is hurting me to get any loans and I am planning to invest in Real Estate. Wells Fargo is at fault here, they did not do their due diligence in ensuring their customers are aware of their loan transfers. Before this incident my credit score was XXXX and today it is XXXX, this has hurt my years of financial health. I am a productive professional in the XXXX XXXX with a good income. I have paid all of my dues in a timely fashion. I should not be the one suffering because Wells Fargo did not inform me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Global Tel*Link Corporation
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent an initial complaint ( detailed below ) on XX/XX/XXXX as I was directed when I phoned their offices. It was sent to XXXX. I received no response, so I sent a 2nd complaint using the form on XXXX 's site on XX/XX/XXXX. This likewise brought zero response - other than a form message saying, " All emails will be addressed in the order received. '' I sent XXXX separate money transfer requests to the account of XXXX XXXX. XXXX stole my money EACH TIME and never remitted any of the transfer requests to the inmate. They also never contacted me to make me aware of any problem with the transfers. They simple deposited all my money in their bank account and never communicated with me. 

XXXX 's inmate number was shown as XXXX. But he now shows as inactive in their system. Their site doesn't make clear when he became inactive, nor what it entails. I later found out from relatives that he is under the Maryland Department XXXX XXXX. 

I only became aware that XXXX never received any money when I logged on to send additional funds and found the comment that he was " Inactive '' - with no further explanation. '' In speaking to other family members about the " Inactive '' status, XXXX said he has NEVER received anything in his account from me. 

When I first tried to phone XXXX 's offices on XXXX XXXX, I was asked for the first XXXX digits and the last XXXX digits of my credit card and the employee came back to say she could find no deposits from that card number. That just does not compute at all. Something weird is going on. She told me I had to get my bank statements as proof the money came out of my account. 

This request boggles my mind since EVERY deposit I ever made to XXXX 's account is reflected right in my XXXX account online under my login. As to why I need credit statements to prove anything that's CLEARLY proven in XXXX 's file logs is beyond me. The employee, XXXX, said he could not see my payments in XXXX 's own system. That just does not make sense. How can I see the payments but they can't? It seems clear that fraud was the intention right from the start and even the lower level employees are in on the scam. 

I sent XXXX XXXX ( from my credit card statements ) that the transfer payments came out of the very card which they claim they had no record of. The transaction dates were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each transfer was for {$25.00}, plus I was charged fees in the amount of {$3.00} for each transfer. XXXX at XXXX said the bank Reference No was the only info needed for verification. My bank also said the Reference No. on the transactions should provide the verification needed to prove the transactions occurred. 

I requested that ConnectNetwork refund the transfers to me ( NOT the inmate ) so I can avoid filing claims in federal court. But I have nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: SYNCHRONY FINANCIAL
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
PayPal locked my PayPal account and will not unlock it until I pay XXXX because they said I had a negative balance. In the meantime PayPal credit took XXXX out of my bank account and I cant get into my account to even change payment or anything. I feel as though I am being distorted out of money because Im not able to make any decisions on my account and they are making decisions without my knowledge.

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