BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: CA
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-12-04
Company: Experian Information Solutions Inc.
State: WA
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: Their investigation did not fix an error on your report

Complaint:
My mortage was sold to another lender. I have no control over if/when the bank who services my mortage chooses to sell it to a different lender. 

On XX/XX/2023, Experian reported my credit score decreased by XXXX points because they classified the mortage as closed instead of transferred. 

I filed dispute XXXX on XX/XX/2023 with Experian which they resolved on XX/XX/2023. My credit score has not been adjusted as a result of their investigation, although they verified the information I submitted was accurate. 

A XXXX point decrease in credit score is substantial and should not be the result of a consumer 's mortage being transferred to a new lender. Mortages are frequently bought and sold and it is unfair to be financially penalized for actions taken by banks which consumers are helpless to prevent.

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 2024-01-27
Company: MRS BPO, LLC
State: CO
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Mrs BPO , LLC, sent me a letter with the option to reply with a letter or their slip by XX/XX/XXXX. I replied by certified letter on XX/XX/XXXX and they received my letter through USPS tracking on XX/XX/XXXX. 

Previously, I had written MRS BPO on XX/XX/XXXX with no response and then a new letter on XX/XX/XXXX which was replied to on XX/XX/XXXX. 

I received a XXXX XXXX Option letter dated XX/XX/XXXX, with payment option by XX/XX/XXXX. This letter is during the period of time that the letter received on XX/XX/XXXX to which I could reply to the company. 

According to their letter to me, If you write us by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at https : /Imrsbpo.com. 

They also contacted numerous phone numbers that are not directly associated with me by text message.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: NC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-10-18
Company: Experian Information Solutions Inc.
State: VA
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I am writing to file a formal complaint against XXXX regarding the illegal reporting of a charge-off, which is considered a certificate of indebtedness and therefore income under IRS Publication 4681. This erroneous reporting violates federal regulations, including the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974, causing significant financial and emotional distress. 

The charge-off, considered as income per IRS Publication 4681, should not be included in consumer reports, as explicitly mandated by federal regulations. However, XXXX has inaccurately reported this income, breaching the FCRA and IRS guidelines. This misleading reporting not only misrepresents my financial standing but also infringes upon federal regulations designed to ensure accurate and fair reporting to consumers. 

Despite my attempts to rectify this issue directly with XXXX by disputing the inaccurate information on my consumer report, the erroneous reporting persists. This continued misreporting has substantially hindered my ability to access credit and financial opportunities. 

Furthermore, XXXX 's actions violate several federal statutes, including : 1. Violation of FCRA Sections 1681 ( a ) and 1681 ( b ) : XXXX 's illegal reporting of inaccurate information without my explicit consent contradicts the FCRA, impairing the efficiency of the banking system and undermining public confidence essential to its functioning. 

2. Violation of FCRA Section 6802 : XXXX reported information without my consent, breaching my opt-out rights and failing to disclose clearly and conspicuously that such information could be disclosed to third parties. 

This continuous inaccurate reporting has resulted in substantial financial damages and emotional stress. Moreover, it directly contravenes federal laws aimed at protecting consumer privacy and ensuring fair and accurate credit reporting. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against XXXX for their egregious violations of federal statutes. Additionally, I seek immediate rectification of the inaccurately reported information on my consumer report to mitigate the ongoing financial and emotional distress caused by their actions. 

Enclosed are supporting documents detailing the inaccurate reporting and relevant federal statutes for your review and consideration. 

Thank you for your attention to this matter. I eagerly await your prompt response and resolution.

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 2023-12-06
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Well Im XX/XX/XXXX I sold my XXXX XXXX to someone and went on with my life. On XX/XX/XXXX, I wake up from a nap and have a notification on my phone showing that my email was removed from my cashapp account and my phone number and that the {$500.00} I had in the account was sent to someone without my permission. When I went to try and log in, was directed to create a new Cash App login. Then I tried to login using my email and realized that my email was removed from Cash App then I contact a cash app and try to do a claim with him and told him all the information what happened and stated that I saw my phone on XX/XX/XXXX and I XX/XX/XXXX the fraudulent transaction for {$500.00} was not me but was done on my XXXX that I had just sold and I realized that I have started to sign out of my XXXX XXXX to reset it but that I didnt know you need to enter your password before you complete the reset process so when I had sold it, I simply press the factory reset button to know how to do a reset button I didnt enter my XXXX password and I handed the phone over and I took the money from the guy and left. So I think I mustve done when you got home was saw that I got a {$40.00} payment on XXXX XXXX and then proceeded to log in my cash app proceeded to remove my email and replace it with his email and remove my phone number and replace it with his phone number and then proceeded to figure out a way to get in my cash app and use my pin to complete the transaction actually there were three total transactions one was for {$500.00} in us for XXXX dollars and last one was a {$40.00} payment from XXXX XXXX. The XXXX XXXX police report number is XXXX. 
Cashapp did an investigation, and they proceeded to tell me that it was me who made the transaction and theres nothing I can do about it but Ive gotten emails before from cash app show me a suspicious login in the location of that login, so how is it that I was logged in my XXXX XXXX at the time of the transaction and I know the cash app knows that and the transaction was made from an XXXX XXXX  and that XXXXXXXX XXXX was not where my XXXX XXXX was nor was it at my house so that shows that it was not me who made the transaction in Cash App still declined to pay or denied my claim. I havent found a police report rt and include the number previously. So now I dont know what to do with a contact because now Im out of {$540.00} and the cash app is stating that Im in a transaction what else am I supposed to do or can I do feel like I got robbed again for cash app not honoring my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: ADP Inc.
State: IN
Product: Prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
On XX/XX/23 and XX/XX/23, my new ADP Wisely Pay Card was compromised of {$900.00}. When I learned this on XX/XX/23, I contacted Wisely immediately. They canceled my card, said I should see a provisional credit in a few days, and that they would begin an investigation. The actual card is always with me, and never shared or used by anyone. I live alone. 

Since then, I have called multiple times, only to speak with people I can not understand ( broken English ) and be given a different answer. I have tried to be understanding. 

It has been 8 days. This morning I called again asking for a status. The answer today was that they sent a letter via US Mail and I have to sign it, then return via US Mail. We all know mail is delayed around the holidays, so of course I have not received a letter ( or a replacement card that I understand costs {$30.00} ). 

Once they have a signed letter ( not sure what it says ), they will consider a provisional credit, and it could be up to 45 days. I asked for a supervisor who again, I could not understand well. When I became frustrated and asked for a second level supervisor, she advised me there is nobody higher than her. Her name is XXXX. Later in the conversation, when I asked if she is the CEO, and if not, to provide me with HER supervisors ' name, she refused to do so. 

My career was in Finance, and I am a part time employee, recent widow, and I'm XXXX XXXX XXXX. I understand business processes in Finance. I understand banking. I'm not stupid and I'm not wealthy, nor am I in a position to lose {$900.00}. I don't expect special treatment from Wisely. I do expect them to follow the law, speak clear XXXX to their customers, and to not sit on my {$900.00} for 45 or more days. I expect an answer, and it is my right, so I thought. I had to pay half of my rent via credit card with a 21 % interest rate. I will obviously not have the opportunity to buy XXXX presents for my grandchildren. What shall I tell them?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
XX/XX/2023 : Received email that mortgage was being transferred to Mr. Cooper by XXXX and given information as to how to create an account. Account was created using instructions that week. 

XX/XX/2023 : Attempted to login to website to view balance and to change bank information to setup a new payment plan with new bank. Unable to login to account. Unable to recover username or password and given the error that my social/loan number/email were not in the system. Attempted to create account again in case an error happened the first time, received error stating an account already exists. Attempted to call customer service, but automated system would not connect without a social or loan #, both of which it stated on the phone were not in the system, automated system would then hang up. Chat function via website not functioning, says no representative available ( this was during business hours ) and does not have an option to join a queue. 

XX/XX/2023 : Have attempted weekly to establish contact via either phone or chat function with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
TransUnion not showing my credit report and my score is holding from 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 2023-12-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
To : Consumer Financial Protection Bureau From : XXXX XXXX XXXX Address : XXXX XXXX, XXXX, Texas Date : XX/XX/XXXX Subject : Complaint Regarding Refusal of Refund for a Fraudulent XXXX Transaction by Chase Bank Dear XXXX , I am writing to file a formal complaint against Chase Bank for their refusal to refund a fraudulent transaction that occurred via XXXX on XX/XX/XXXX. I believe this refusal is inconsistent with recent policies adopted by banks under pressure from lawmakers and the CFPB regarding reimbursements to victims of imposter scams. 

Incident Details : Date and Time of Incident : XX/XX/XXXX, at approximately XXXX XXXX Description of Fraud : An individual impersonating a known friend and coworker, XXXX XXXX, contacted me through XXXX XXXX, requesting a short-term loan of {$200.00} to be sent via XXXX to an email address ( XXXX ). Believing the request to be genuine, I transferred the amount. 
Immediate Action : Upon realization of the fraud, I immediately contacted Chase to report the incident and request a reversal of the transaction. However, Chase declined my request, stating that they could not reverse transactions made through XXXX. 

Basis of Complaint : As per the article referenced ( XXXX, [ date of article ] ), it was reported that banks participating in the XXXX payments app, including JPMorgan Chase, had begun to relent in their refusal to pay back victims of imposter scams. This change in policy was a response to legislative pressure and the involvement of the CFPB. It was highlighted that the Federal Trade Commission identified imposter scams as the most reported fraud category across all payment types in XXXX. 

Furthermore, XXXX XXXX XXXX XXXX XXXX XXXX, the operator of XXXX, has implemented mechanisms for banks to claw back funds from recipients accounts to reimburse victims. These measures were taken as part of a broader policy to combat fraudulent activities and protect consumers. 

Request for Resolution : Given these developments, I respectfully request that the CFPB intervene in this matter to ensure that Chase Bank adheres to the evolving standards and policies regarding the protection of consumers from fraudulent transactions, especially those involving XXXX. I am seeking a full refund of the {$200.00} fraudulently taken from my account. 

Your prompt attention to this matter would be greatly appreciated. I am prepared to provide any additional information or documentation as required. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Selene Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
SELENE FINANCE TOOK OVER MY MORTGAGE FROM XXXX ABOUT XX/XX/2023 AND SINCE THEN I HAVE PROBLEM WITH THEM.SELENE COLLECT ESCREW FOR TAXES AND CLAIM THAT BEEN PAID THE TAXES .BUT THE NOTICES I GET FROM THE VILLAGE FOR THE TAXES SAYS OTHERWISE.I SENT NOTICES I GOT FOR THE VILLAGE TO SELENE FOR VILLAGE TAX THAT BEEN DUE SINCE XX/XX/2023 AND STILL NOT PAID..TODAY I RECEVED A THIRD NOTICES WITH {$270.00} PENALTY AND MARKED ARREARS. 
MY MORTGAGE BALANCE IS UP TO DATE AND BEEN PAYING MY MORTGAGE.SELENE REFUSE TO ANSWER AND FIX THE PROBLEM.PLEASE HELP AS SELENE IS IN VIOLATION. 
THANKS. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I have called on XXXX occasions to check in on my request that I submitted to change my XXXX plan to a XXXX plan. This request was submitted in late XXXX. After the XXXX weeks it should have taken had passed, I called and they said they were raising issue since it should have been completed. Since then I have called and called and nothing has been updated resulting in a higher interest rate and higher payments required by Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Atlanticus Services Corporation
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I made several attempts to resolve issues with company. I had several deaths in family during the time of accused late payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: First Credit Services Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter in XX/XX/XXXX to First Credit Services requesting to validate the debt listed on my credit report. They sent me a letter in response in XXXX, they were unable to do so, but have not removed the debt from my credit. 

They have called me in the past and I clearly stated I ended my membership in person to the gym and did not owe any money. The gym wanted to charge me for personal training services in advance in XXXX because COVID began scaring off patrons. I cancelled my personal training services due to the uncertainty. They went ahead and charged me anyways. I told spoke to the manager and he stated they would resolve it. Instead they sent me to collections. 

I am now dealing with a debt collector who can not validate the debt at all and will not remove it from my credit. 

I will send another letter however it has been 3 years of me attempting to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX of this year XXXX full my balance off at America Express of {$1800.00} Check was date XXXX. As of today XXXX the balance is still showing on my credit report with XXXX. I have spoke with XXXX several times and each time I am told they will remove it. It still has not been removed.This is ridiculous we are going on three months now. I have proof that is had been paid and I want it off my credit report

Company response to consumer: Closed with explanation