BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-02
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023 - A bank impersonator entered all three accounts, added mobile deposits, and processed through not from my phone. 2. Moved payments from all accounts to the account attached to my cash app account. 3. Deposited into my cash app account in the amount of {$1200.00}. 4. Withdrew {$1200.00} and sent it to XXXX XXXX ( $ XXXX ). Cash app support keeps giving multiple questions from different Bot chatters. Each Bot Rep keeps denying my claim for not answering their questions. I have answered the questions in the order I received them. I keep getting the following general message in my email. Hello, my name is XXXX, and I am your Cash App Account Specialist. Thank you for providing that information. We compared the transaction you brought to our attention with your account history. Based on the information you provided, our investigation led us to determine that this transaction ( s ) was authorized by you or someone authorized to use your credentials, and no error occurred. As a result, your claim has been denied and closed. 
Desired settlement : Refund : Report to XXXX XXXX that I did not authorize the charge, which was FRAUD. 
Money paid to business XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-12-02
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made an online payment for a XXXX credit card balance of {$32.00} from my Wells Fargo checking account. The amount was deducted from my account per my monthly statement. XXXX claims to have not received the payment snd proceeded to charge increasing late fees and eventually cancelled the credit card. This has now resulted in a substantial drop in my credit score. Three months of trying to get Wells Fargo to investigate snd resolve the problem has been completely ineffective. All Wells Fargo has done is assign " case numbers '' to three separate attempts to get this resolved but no one has done anything.

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 2022-12-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have attached all the dispute letters I tried mailing them. I want this false information removed as soon as possible as is stopping me from getting a loan from my bank. and

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
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:
On XX/XX/2023. I received a notification via the XXXX app stating that my credit report was obtained. 

I did not give these companies the authorization to run my credit. 

These inquiries are going to have a HUGE NEGATIVE impact on my credit score.

I need these companies to tell me why they ran hard inquiries on my credit. 

Who gave you the authorization to run my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Check systems changed my code to the security freeze without my consent. I provided the correct number for a lift as I've done twice before when needed.it is noted on the document provided. They will not provide me with another number verbally due to their mistake.

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 2023-06-06
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
While I was a Wells Fargo customer, they opened another account without my permission after they called an asked me did I want to add the new account and I specifically told the representative NO, I have all my bills structured and the payments come out of this and I dont want to change anything. A few weeks later the account was opened, I called and the representative just overtalked me like a sales person explaining why the account was beneficial etc. Being a single mother who didnt make much, this was stressful to have to take time to try to change all my billing accounts and hard being young and still learning about structuring my finances. This causes multiple overdraft fees. I have the emails to prove it. *maiden name applied at time account was openXXXX 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 2023-11-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

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. 

has violated my rights. Or a 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 explanation
Consumer complaint received 2023-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
As per the Fair Credit Reporting Act ( 15 USC 1681 ), Section 602a emphasizes the importance of consumer reporting agencies handling their responsibilities fairly, impartially, and with respect for privacy. I, as the consumer, assert my right to safeguard my private information, supported by 15 USC 6801, which highlights the obligation of financial institutions to respect customer privacy. CAPITAL ONE, classified as a financial institution, must adhere to Section 604a ( 2 ) of 15 USC 1681, requiring consumer reporting agencies to furnish a consumer report only based on the consumer 's written instructions. 

I revoke any and all consent for XXXX, XXXX and CAPITAL ONE to furnish my information, explicitly stating that they lack my written consent. Additionally, 15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information without explaining how the consumer can exercise the nondisclosure option. Capital One failed to inform me of this right. Furthermore, 15 USC 1681C ( a ) ( 5 ) restricts consumer reporting agencies from including adverse information without authorization.

The law ( 15 U.S. Code 1681s-2 ( A ) ( 1 ) ) prohibits furnishing inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e mandates agencies to maintain reasonable procedures. XXXX and XXXX are deemed non-compliant. Finally, according to 12 CFR 1016.7, it states that A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I bought this card a long while ago ( I don't remember the exact date, but it was like 2 months ago ) and it's just been sitting with a balance of XXXX $ and I haven't been able to use it it's been declined by every site/company I've tried to use it at and when i call customer service they just say it's always getting declined for my safety even though I've bought from other retailers with a different company 's sold prepaid card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-05
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Opened a credit card with American Express, enrolled in online profile and linked the card to my XXXX account, after that made a purchase all worked fine. 

After the first transaction went thru they blocked everything and since then I cant use the card anywhere, it dropped my credit score XXXX points, they ask to connect to a system to provide my drivers license and the system didnt work, I dont get it, why do you approve and do all this to a customer? I had to do 3 interviews proving my identity before getting approved, and I dont have any identity theft alert on my credit, they want to do the same thing after getting Me approved, this is ridiculous and abusing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02
Company: U.S. BANCORP
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/ my account was frozen because file XXXX XXXX due to job loss.

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 2017-11-19
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:
I discovered that someone unknown to me opened a credit card acct with XXXX XXXX XXXX. They used my name and address of my business office, which I had vacated 2 years earlier due to retirement. 
I filed a credit fraud form with XXXX XXXX XXXX. They claimed that they checked and that this account was not fraudulent because they had a name and address on the account, which is not mine.The XXXX, but not XXXX  and XXXX, listed this fraudulent name and address as : XXXX XXXX, DOB XX/XX/XXXX and as the authorized user on this account. It further lists his address as XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX. They claim that this account was opened XX/XX/XXXX, via the Internet at IP address XXXX, referencing e-mail, XXXX. 
The account was activated on XX/XX/XXXX from phone number XXXX. 

While my name is used with the last 4 digits of my SS number and my home phone and my old address XXXX XXXX XXXX XXXX, none of this is me and all of this info could have been easily found on line. 

I filed a police report and spoke with XXXX XXXX on the phone and by e-mail to no avail. 

XXXX XXXX sent a list of charges to this account : XX/XX/XXXX {$20.00} XXXX XXXX XXXX XX/XX/XXXX {$20.00} XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$32.00} XXXX XXXX XXXX XXXX in XXXX XXXX , FL XX/XX/XXXX {$2300.00} XXXX XXXX XXXX Acct. Balance. 

None of these charges are mine. I have never been to XXXX, FL and do not use XXXX, or XXXX XXXX or XXXX XXXX or the XXXX in XXXX, FL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: Block, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX at XXXX XXXX  I received {$100.00} cash app took {$2.00} in fees this payment was from An acquaintance. 

On XX/XX/XXXX I received a payment in the amount of {$60.00} from an acquaintance cash app took a fee of {$1.00} cents On XX/XX/XXXX XXXX XXXX I received a payment of {$150.00} from my girlfriend cash app took a fee of {$4.00}. 

On XX/XX/XXXX I noticed that they were taking fees and didn't understand why so I messaged them they did reimburse the XXXX XXXX XXXX XXXX XXXX  that they stole from me and informed me that for some reason I had been switched to a business account which I had never signed up for nor did they have any documentation proving that I was a business so I think they fraudulently set up accounts as businesses to take these fees and hopes that people won't notice. I informed them that this was never a business account and had many transactions dating back multiple years showing that these had never been charged before and that I would like those fees returned since I don't have a business nor did I ever. the gentleman told me that he didn't care that there was nothing they were going to do about it and that I was lucky that they did me the courtesy of returning the {$1.00} from yesterday. It's never a courtesy when you fraudulently take something. Per app disclosures, this is a free transfer site between persons. 

I was then told that there were going to be tax implications and that I would be receiving a form that I have to file with my taxes I guess I will have to go through a lawyer regarding that part of the situation because all of that is fraudulent to set up a business account and charge someone and then put tax implications on top of it even if it was {$0.00} or {$500.00} what they are doing is not okay and I am sure I am not the only one they are doing this too, this is very concerning to the general public and they should be aware of these fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
Cash app closed my account without any reason or explanation why. Since my account has been closed for 2 months with cash app not responding with why I'm not able to withdraw my money. The account is closed but they allow me to receive money but can not withdraw my money. I received a copy text that I will receive information about my account but I get the same results nothing am still not able to withdraw. I have also filled with the XXXX and cash app has not reached out to me regarding my money and still can not withdraw. 
Thank you for your time XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Resurgent Capital Services L.P.
State: NY
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:
I hope this letter finds you well. I am writing to express my serious concerns regarding what appear to be violations of security regulations by your company. It is with great disappointment that I must bring this matter to your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: CORELOGIC INC
State: FL
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:
I never authorized for my credit to be run and causing me so much inquires on my credit file.Please delete the inquiries as they are hurting me from becoming a home owner

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 2023-05-22
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2023-12-01
Company: Albert Corporation
State: OR
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/29 3 fraudulent charges happened to my account. I then went to customer service to try and submit a claim about it. They have denied me this service and then they closed my account without permission. My direct deposit goes through this account and now I have no access to my paychecks. My job is going through a switch of services so I can not change my direct deposit. They should not have been able to close my account without my consent and they have not done anything about the fraudulent charges.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: HI
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:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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