BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-22
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
BBVA Compass has gone above and beyond to ensure that they have caused fraud in every single way possible. First of all their bank opened two checking accounts in my name which I did not approve nor accept, Secondly after these were opened they opened 3 Fraudulent credit cards. I then get a call which I didn't answer, I go up to their branch to see what this is about and they rudely tell me Enterprise " Fraud Management '' XXXX to be specific has decided to end " My Banking Relationship '' This is after I chose not to provide them with my identification, nor with my SS Card like they asked AFTER THEY APPROVED THE FRAUDULENT CARD. Not only were their fraudulent charges on the fraudulent cards. I finally asked someone about these cards they told me there was a block and they couldn't issue me any cards nor tell me much about them until I sent my identification in. Well of Course CARD Fraud Department was super rude, the lady told me I needed to send this in order they would be blocked, She wouldn't send me a letter requesting what information they wanted of course. Instead she sent a threatening letter explaining they viewed a credit report, Which again wasn't listed that they determined to closed the blocked fraudulent cards. Now to me, another thing I found out is they are letting a XXXX  which I have never been associated with FRAUDULENTLY CHARGE THE FRAUDULENT Checking accounts and attempting to say I owe it. I do not own those accounts, and I do not owe the accounts. I will not be paying their credit cards because I did not authorize them. I was this bank investigated for their practices and the way they fraudulent charge customers, the way they allow fraud to continue and instead of assisting the customer forcibly don't assist the customer. They attempt to blame the customer and are very very very rude customer service. I have never experienced that rude of service in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
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 accordense with the fair credit reportact, the list of accounts below has violated my federlly protection consumer rights to privacy.an comfidentiallity under 15 u.s.c 1681 XXXX XXXX accout number XXXX XXXX ac/number XXXX XXXX/ dept of edu a/c number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ac/number XXXX XXXX XXXX XXXX XXXX XXXX XXXX a XX/XX/2016 {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts has violated my rights 15 u.s.c 1681 sec 602a states i have the right to privacy 15 u.s.c 1681 section 604a states that a consumer reporting agency can not use account without my written instructions 15 u.s.c 1681 c ( a ) ( 5 ) no consumer reporting agencies may make any consumer report containing any of the following items of information. any other adverse item of information, other then records of conviction of crim which antedates the report by more the sevsen years.

15 u.s.c 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information related to a consumerto any consumer reporting agency if the person knows or has reasonable cause to belive 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 2022-06-10
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2022 I was attempting to replace my debit card on file to another debit card with Cash App. It was not allowing me to complete change it stated invalid debit card number so I attempted several times and still no success. I clicked on Cash App support from there application and was led to customer service representative. The representative fraudulently transferred money to other accounts and to bitcoin stating this is how they fix issues with debit cards that have issues with invalid number can not add card. I had about {$3300.00} in my cash app account and after the fraudulent transactions some of which was returned about {$1000.00} as a tactic to convince me it was legitimate and i would get all my money back once my debit card issue was corrected. He provided a fraudulent call back number that he used to call me back and text me fraudulently about cash app account status. Also {$8700.00} was withdrawn fraudulently from my XXXX  debit card on file with several fraudulently transactions. Currently I am disputing those charges as fraud with XXXX but they did not offer a chargeback until they investigated this fraud stating they dont do chargeback since its a third party app. In total i lost {$11000.00} ( {$2200.00} lost from cash app balance and {$8700.00} lost from XXXX  debit account. I submitted complaint to both cash app and XXXX bank. But cash app responded within a couple hours stating they can not reverse charges and only way is if I ask the recipient ( the fraudster ) for a refund. The representative asked me to transfer money to someone I had previously transferred money to on cash app so that he could correct the debit card issue but it was his tactic to just transfer more money to other accounts and bitcoin wallets.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
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.

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 2023-07-03
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was sent an Amazon store card to which I did not apply for it. When I called I found out the bill is up to {$230.00}. 

I appear to be the victim of identity theft. I had personal information that this company appear to know about.

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 2021-11-24
Company: Aspen National Financial, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Trying to maintain a membership with XXXX XXXX is incredibly overwhelming and has not benefited me in any way. I took over the membership in XXXX and have not used it, or even seen it. Ive been expressing my concerns since XXXX and XXXX XXXX has been incredibly dismissive. Instead of providing the assistance I requested, they placed my account with a collection agency ( Aspen National Collections ). My credit has been severely impacted due to this. I sent written communication to Aspen National Collections to cease their collection efforts and informed them that I was contacting XXXX XXXX to resolve this matter, but Aspen National Collections has continued to place derogatory marks on my credit despite. 



XXXX XXXX  needs to honor my request to end my membership and Aspen National Collection needs to cease all collection efforts and be removed from this equation. I will pursue my desired resolution through whatever means necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX scammed by fake landlord XXXX XXXX and lawyer XXXX XXXX Convinced me of an available rental and third party local involvement that I later concluded to be untrue. {$730.00} paid between two accountants {$150.00} as a pet deposit, {$80.00} applicant fee, {$500.00} for half of initial deposit and expecting a total of {$2200.00} in first month rent. XXXX XXXX provided fake phone numbers as well as names of local areas. Phone numbers include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
I took a Reverse Mtg in XXXX of XXXX. Champion Mortgage has been paying my property taxes and doing a direct withdrawal from my account monthly. In response to notices, I would always renew the agreement annually & there was usually a slight increase from the prior year. In XXXX, the amount was actually lowered. In XXXX of XXXX, I received a foreclosure letter from a Law firm. I then called Champion Mtg. to address this issue with no resolution. I was told they have been paying the taxes too long & the recommitment letter was sent without a reply from. me. I have never received such a letter. A process server placed a contact number to be called to serve me documents to sign. I have not called him back as I was seeking resolution otherwise. The amount owed on XXXX/XXXX/XXXX was {$6800.00} & increased without explanation to {$7900.00} by XXXX/XXXX/XXXX. For reference, I have my home insurance w/ Keystone XXXX. My name & address is XXXX XXXX XXXX XXXX XXXX XXXX, Md. XXXX Loan # XXXX Champion Mtg, XXXX XXXX. XXXX XXXX XXXX, OH Email.XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XXXX, XXXX, 2023, I sent out a dispute letter about inaccurate information about myself. There are collections that are open and also showing past due of a balance of {$3700.00}. I understand that this is a violation and I wanted to reach out to them about this information.

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

Complaint:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2021-12-03
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
To whom it may concern Credit acceptance corporation sued me and are now garnishing my wages for a vehicle that I voluntarily repossessed. The vehicle was purchased from a XXXX dealership that closed down after purchase. The vehicle was a lemon. I had to make repairs and pay car note. It started to take a toll on my lively hood. I couldnt pay rent or purchase groceries after payments. 

I notified credit acceptance of this. They gave me the option of voluntarily repossession. When they finally picked up the vehicle after a few months. I had an isssue with my license plate. I took a ride to their office. They were rude and XXXX. Referring me to as you XXXX XXXX XXXX. They also ensured me I will get sale of vehicle information in mail. I never received. 

I kept getting calls by credit acceptance attorneys harassing me. When I would call credit acceptance directly. They told me that those were not their attorneys. However I did have to pay my balance. I recall the balance at that time being over {$18000.00}. The vehicle at that time was a over 12 years lemon. I questioned the amount they told me they will come after me for the amount owed. 

Fast forward to me answering their judgement at court house. I dont feel I owe the amount due to condition of vehicle, hidden chargers, damaging credit report and harassment. After answering the courts, I got a credit repairer. 

The credit repairer and I disputed the credit bureaus. I also contacted credit acceptance to negotiate. They told me that they would negotiate with me and I didnt have to go to court. The credit repairer communicated with credit acceptance. The balance kept changing. Credit acceptance responded to credit repairer, however never sent over requested documentation. Credit acceptance kept putting their selves off and on my credit report. Soon after they stop communication. 

Now a few years later, I am being sued. My employer informed me of the garnishment of wages. Total {$20000.00}. I went to look up credit acceptance Information to contact them. 

Thats when I found out about the numerous lawsuits against them for the same reasons described above. They just settled a lawsuit for millions. They also been under investigation by attorney general of XXXX Since 2017. 

This company is a scam. XXXX. High interest rates. Lemon vehicles. They are rude. They harassed me as well. 

Please help me in this matter. This will cause me to become XXXX by time they finish garnishing my wages for an amount thats unlawful. 

Can someone please contact me at their earliest convenience. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Subject : Notice of Trespass and Demand of Cease and Desist Dear Sir/Madam, I write to you on behalf of Anthony-Deshawn : XXXX XXXX XXXX XXXX XXXX XXXX. It has come to our attention that your firm 's actions have resulted in an intrusion on the trust property associated with the aforementioned entities. These actions are perceived as a violation of several United States codes, resulting in harm to XXXX XXXX XXXX. 

We hereby demand that your organization immediately cease and desist all such activities that infringe upon the rights and property of XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Failure to comply with this demand will be seen as an acceptance of the terms and conditions as well as the fee schedules associated with both entities. This acceptance will be binding and may result in the imposition of fees and penalties as outlined in these terms and conditions.

Please understand that this letter is not exhaustive of our client 's rights, remedies, claims, defenses, or assertions, all of which are expressly reserved. We expect your immediate attention to this serious matter. 

We trust you will take this matter seriously. Please confirm receipt of this notice and your commitment to cease all trespassing activities as soon as possible. 

Yours sincerely, [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting that the former addresses listed be deleted from my consumer report because it is causing me financial problems. The California XXXX XXXX XXXX sent a demand for an unpaid traffic ticket to a former address obtained from a CRA. When I did not pay it ( because I did not receive it at my current address ). They received a judgment against me and took an excessive payment directly from my bank account without my knowledge. 
ALso please mail me my complete consumer FILE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this CFPB complaint in hopes that the fraudulent accounts and information being reported on my Credit File be removed as soon as possible. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need the following items immediately removed from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$980.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$1400.00} XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. If you believe that the disputed items belong to me, please send me copies of proof of verification or ownership. In the absence of these documents, immediate removal of these fraud accounts will be immediately removed.

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 2023-07-04
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX notice from my direct deposit account {$1000.00} was removed from my account..a name showed up saying XXXX XXXX money was sent to her ..I don't know her and she is not on mu contact list... something at the bottom of app page says ..pay anybody. That's how she got XXXX report to dispute on that day the very next day ... investagation was over and they sent a email saying they found no errors and they won't return my money..Note.allow transaction was turned off so how did she get the money..k don't know her.So I open XXXX rebuttals ..each time chime say get a police report I gave to them XXXX and sent to there XXXX which they claim they never got until a supervisor said yes they did get it ... I sent a statement and a police report..one of the supervisors told me they are constantly having theft complaints at Chime ..Dispute t eam told me over and over they can't help me... they don't h Ave verbal communication with the investagation t3am.they don't know if they got the police report..I keep getting .they can't see no errors..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-04
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been wrongfully accused of fraud through TD bank and XXXX  XXXX XXXX. A check was deposited into my account for {$10000.00} not by me and I was the fault for the situation, which I had no clue would lead to being a scam. My name is now on the XXXX XXXX XXXX and I want my name taken off. I am an XXXX XXXX XXXXXXXX XXXX XXXX XXXX and had clue what was happening with my account I have never done anything fraudulent before and this has messed up my name completely.

Company response to consumer: Closed with explanation