BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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've been disputing these fraudulent accounts on my consumer report for over a yea, I am unable to get employment and housing because of the fraudulent item that don't belong to me on my report. the XXXX are abusing their power and making it almost impossible for me to live and have the informed use of credit. I've submitted complaints sent in disputes to no avail. I am a victim of identity theft I have daughter and we are homeless in the winter time it is cold. THESE ITEMS DO NOT BELONG TO ME. REMOVE THEM

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 2021-08-04
Company: ADP Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
In reviewing my transactions on XX/XX/2021 with a representative at XXXX, ADP card services, it was brought to my attention that there were many unauthorized charges in the amount of {$1100.00} on my account with a company called XXXX. I explained to the rep that the charges were fraudulent and I have never had a XXXX account or used their services and would like to dispute the transactions. A dispute investigation was opened and the compromised account was closed and I was issued a new debit card. On XX/XX/2021 I was asked to sign and submit a Statement of Fraud form which I did and emailed it to the Dispute Department on XX/XX/2021. On XX/XX/2021, I received correspondence from XXXX, ADP indicating the investigation was completed and it was determined that the charges were legitimate and I would not be able to recover any of the money stolen from my account and the investigation was closed. I immediately called to discuss this decision as I was extremally upset by this. The rep I spoke with on XX/XX/2021 told me that based on what they determined I must have had an account with the merchant to make these charges. I explained over and over again that I do not nor have I ever had an account with XXXX. The rep stated that I could send a written request to receive the investigation materials and or provide proof from XXXX that I am not in their system as a customer. I was provided a telephone number that does not work to speak with someone at XXXX is nearly impossible in order to provide this proof to XXXX. I just want to recover my money. I placed another call to XXXX  on XX/XX/2021 with my mother to gather more information on how it was decided to close the investigation. If I'm having a hard time contacting XXXX  about these charges, who did they speak with to decide it was me that made all these charges and closed the investigation without really investigating I was passed around to numerous departments with no one really providing any assistance and finally after two hours of this, I was disconnected and no one bothered to call me back. Why ask for a call back number if you are disconnected and then when you are disconnected no one calls you back. I now have to call back and get back in the que and wait 40 plus minuets for another rep to start this process all over again. I feel as though XXXX  has handled my situation completely unprofessional and non caring which is unacceptable as a customer who had his hard earned money placed into this company hands and this company has no regard or protection to help me recover what belongs to me which I worked hard to have and not be stolen from me. Not one rep could answer if my funds were FDIC insured.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was previously a victim of identity theft, I see several hard inquiries on my credit report that I did not authorize or make. I also have an account that is in collections for {$170.00} from XXXX insurance which I did not open the account. Also hard inquiries from XXXX on XX/XX/2022, 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX has denied me credit for a new home when I have proof that no company can deny me or extend me my own credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was previously a victim of identity theft, I see several hard inquiries on my credit report that I did not authorize or make. I also have an account that is in collections for {$170.00} from XXXX insurance which I did not open the account. Also hard inquiries from XXXX on XX/XX/2022, 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 XXXXXXXX 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 2022-02-26
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I was taking advantage due to malpractice while many laws have been broken under the FCRA by your company. This has cause my financial injury and defamation of character. This malpractice has mad it hard for me to obtain loan jobs and housing most of all I cant obtain credit. This malpractice by your company make it very hard to apply for credit during the pandemic

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 2021-08-04
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

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 2021-08-03
Company: Square Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On or about XX/XX/XXXX, I went in my mobile banking app to see my balance. I had XXXX, I thought, until I opened my bank statement online. I looked and it showed XXXX, XXXX, XXXX, and XXXX taken out from cash app. On same day.Leaving me with XXXX balance. I notified my bank, fraud dept. They said we will put ur XXXX back in ur account ; however, if after investigating we find nothing, we will take XXXX back out. 

So on XX/XX/16 I had XXXX in account. Well, I looked later, I was overdrawn XXXX. The bank withdrew XXXX out of my checking saying Cash App said I authorized, which is a lie. So, luckily my brother put in XXXX to cover overdraft. 
I called branch mgr, she said bring in ur XXXX. My brother said im going in with you. The manager said we can pull history transactions from cash app. So, mgr printed off history transactions. The historys did not show the XXXX that was taken out of my checking, but my bank statement specifically showed cash app transactions. 

So, the manager sent history statements to fraud/ investigative dept for 2nd investigation, but mgr said on 2nd investigation, they will not put XXXX back in while investigating. Its been over 6 weeks, my bank has not notified me of anything. Im so upset, I did not authorize. I said why would I take out XXXX and leave myself with XXXX in middle of month? Plus, why didnt bank ask for historys in first investigation. They were ok with Cash App saying " she authorized '' with no proof from Cash App. 

My brother said the way bank went about this is bad business. Im on Social Security, so I get paid on XXXX of each month. 

I read where guy had same problem and he couldnt get his money back. It said u went straight to Cash App and they put money back in his account. 

I have seen cash app is the worse app to be exposed to getting ur account hacked. I use XXXX now with my bank. I used cash app to send payments, I advise everybody, DO NOT USE CASH APP to send money. 

I lost money that I needed, it has gotten me financially in a bind. 

Anything u can do to help me get my money back, will be deeply appreciated, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: PNC Bank N.A.
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: Account status incorrect

Complaint:
I had a auto loan with PNC bank. I was in a accident and the car was a total lost. At the time this happened COVID was affecting every life in the US. Do to COVID Im being affected with Pnc bank because the insurance took 2-3 months to pay the bank off and this is being reported on my credit report as 90 day past due when it wasnt my fault.

I have never been late Ive made my payment on time the only item affecting my credit is from Pnc bank and needs to be permanently remove this information is not correct and I should not be held accountable for this.

I demand this items is remove from all 3 credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Company : PHH Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Property : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Loan # : XXXX Pay Plan Type Line of Credi I have applied 4 times. Each time, the Credit Draw Request is denied because I didn't follow their prescribed format. When I asked for the format in writing, I was told that it would take some time ; however, I was told that the agent was looking at the format. 
The credit draw is to provide for my wife who is on XXXX  and XXXX XXXX XXXX. I am running out of funds to provide for her care. Please assist. 
This is a practiced process. BEWARE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Rodriguez Fernandez Law Offices, LLC
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Greetings a Law Firm by the name of Rodriguez Fernandez Law Offices , LLC address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is wanting to collect money from this accounts XXXX XXXX XXXX amount {$2100.00} account from XXXX they Acquired the account on many years ago the account is XXXX XXXX XXXX, the person that called had an inappropriate tone of voice, tried to intimidate me with a court date that we had many years ago, when I explained the time that has passed, she wanted me to make a payment and mention different ways I should be making the payment. I need CFPB to please contact this company and informed them why the cant charge me for this old accounts. Also, I don't want the company to continue calling me for an account is That is more than XXXX XXXX XXXX, Thank you XXXX XXXX XXXX XXXX XXXX Las time I file a complained was on XX/XX/2022 and they responded with this nonsense. 
Company 's Response This claims do not proceed. All accounts are payable. Within statue of limitations and with a valid judgment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: WELLS FARGO & COMPANY
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I invested in a company called XXXX XXXX ( XXXX XXXX ) and sent initial funding amounts from my XXXX XXXX account in the form of Wire to XXXX 's Wells Fargo bank account. I sent $ XXXX on XX/XX/22 and then another $ XXXX on XX/XX/22. I have the backup to support if needed, as do the other XXXX investors. 

Around XX/XX/22 it was discovered by XXXX investors that XXXX was a fraud, and we took action to call the FBI, SEC, and local Attorney Generals. The SEC has now formally charged XXXX 's creator, and I've added the SEC link below. XXXX XXXX created a Ponzi Scheme and XXXX investors were part of it. However, the banks involved did not protect the consumer from fraud and there were many ways which they could have prevented the {$4.00} million in losses. 

I have filed two complaints with CFPB to Wells Fargo, and both were rejected. I can't get anywhere with Wells Fargo and they refuse to cooperate. Unfortunately, no current legal action has been taken against the banks. They did not protect the consumer and I would like the CFPB to step in and take action on the investors ' behalf. 

Wells Fargo, XXXXXXXX XXXX, and XXXX XXXX XXXX  all accepted wires for XXXX XXXX, which is now charged as a Ponzi Scheme by the SEC. These banks did not perform proper due diligence on the accounts they created for XXXX XXXX or XXXX XXXX, did not examine the line of business and legitimacy behind the company they created an account for, they did not flag the various large dollar value transactions to put a hold on the account ( until it was formally required to do so under investigation ), but most notably, these banks did not protect the consumer from fraud. Protecting the consumer has been reiterated multiple times in prior cases the CFPB has ruled on, as being the primary purpose of the board 's existence. 

In three prior cases I've found ( XXXXXXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX XXXX ), each case ends with an overall delivery stating that it's the banks ' responsibility to protect consumers. Banks are being held accountable for turning a blind eye to fraud, and ultimately not protecting the consumer, both of which are truths from the XXXX case. I've attached my letter to an attorney. I have not found an attorney to take on a class action against the banks, mainly because most of them already had pending litigation vs Wells Fargo. 

I'm turning to the CFPB to assist the XXXX  investors and charge these banks for their part in the XXXX Ponzi Scheme. 

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 2023-04-05
Company: Waypoint Resource Group, LLC
State: GA
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:
This alleged debt arise from a consumer transaction offered from XXXX.the services was accepted then respectfully returned. No goods nor services are in possession of the consumer. 
No debt is owed or need to be collected by XXXX XXXX. 
This debt is in fact inaccurate and unlawful. 
Receivable performance is in violation of my rights to privacy and in violation of the FDCPA 15 usc 1692 ( see ATTACHMENTS )

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 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ex husband married woman with same name as me, spelled differently ( XXXX ) and different middle initial ( XXXX  ). Collection agencies are sending her notices to my new address, having changed the spelling of her first name to mine. They are also calling me, even though my phone is not listed nor has it ever been under my name. I dont understand how they got it. I am remarried with a new last name. I do not want her debts to be attached to my name, or worse, to my new husband. My old and new last names are connected to her on many people search sites as well. This is very frightening ; it causes me much stress. 
Also, I have not been able to reach an actual live person at any credit reporting agency to get answers to my situation. 

Any help would be greatly, greatly appreciated Thank you XXXX XXXX  XXXX Her present info is : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  XX/XX/1956 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 2021-08-03
Company: EQUIFAX, 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:
Since XX/XX/2020 Equifax has been violating my consumer rights by incorrectly reporting someone elses address and accounts onto my account. I have sent numerous proofs of identification and address verification to this company. They have not only ignored me but kept me on the phone for hours telling me these addresses and accounts are mine. I investigated with their data furnisher and the creditors and they do NOT have information related to me or any account opened with them. This has all led to much strife in my family life and has prevented me from applying for unemployment benefits, being approved for business credit, and purchasing a vehicle. This company acts in an abusive manner to the consumer. This is not a frivolous complaint. This information needs to come off my report now. The following address and attached accounts NEVER belonged to me.I have submitted my proof of identification and address along with utility bills multiple times and they continue to report and ignore me. Remove the following addresses and accounts that are not mine stop violating my consumer rights! These companies get no consequences for there actions willfully violating Federal law protecting the consumer. I will be taking this to court as they have not responded to my demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions 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: 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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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