BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: Block, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, somehow my Cashapp account was compromised. Information was changed and different banking information was uploaded to my account. Not sure how, since my personal information is necessary to update anything. I informed Cashapp of two fraudelent transactions, one of XXXX, and one of XXXX, made from a NJ location, I live in GA. After some investigation, Cashapp did refund the funds from one of the fraudelent transactions, but denied the other, larger amount. These transactions were both reported as fraud, both done at the same time, and by the same source located in NJ, as per the information on Casapp, so why would only one transaction be returned, and not the other? My XXXX account was also compromised, with fraudelent charges made using my Cashapp card information, and once informed, and after XXXX investigated, and noticed suspicious activity, XXXX refunded the funds. I have had my Cashapp account for years, and have not encountered any issues like this before. I would have expected some integrity in the handling of this matter. I do not believe I am getting that from Cashapp. I have since removed Cashapp. I currently keep the app for updates on my dispute, and once refunded, to cash out the funds, and completely close it out. I would not be using the app anymore once this matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
According to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX XXXX XXXX XXXX. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : XXXX. XXXX XXXX XXXX & XX/XX/XXXX are the late payments listed

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 2023-02-19
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

ACCOUNT NAME ; NAVY FCU ACCOUNT # XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC1681 section 604 A Section 2 ; it also states a consumer reporting agency can not furnish an 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 USC 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. 

Furthermore, the interest rate on the loan was never signed for nor did I the Original Consumer ever sign for a or do I consent to do business with the. I request that this account for this loan is removed immediately and will be seeking remedy for under 15 USC 1692c for injuries!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 LIVE IN XXXX, TN BUT SEEING ACCOUNTS OPENED IN THE STATE OD TEXAS THESE ACCOUNTS ARE DO TO A DATA BREACH CAUSE I HAVE NEVER OPENED ACCOUNTS IN TEXAS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Sequium Asset Solutions, LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received collection letter regarding XXXX with someone else 's name at my address. 
I don't know this person, they never lived at my address, I do not have apartments in my single family house. 
I have also never had XXXX. 
Explained the situation to Sequium, asked that they contact XXXX to verify what I had told them, and stop sending me collection letters. 
Sequium claimed there was nothing they could do and their collection process would continue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, 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:
My identity was stolen and used by a thief to get a residence and open phone services. I have lived at XXXX XXXX XXXX XXXX XXXX  XXXXfor 5 years this has always been my residence. 
I have never had an account with XXXX XXXX XXXX {$2100.00} I have never had an account with XXXX XXXX XXXX  {$14000.00} XXXX I AM A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THESE ITEMS BE REMOVED FROM MY CREDIT REPORTS IMMEDIATELY. I HAVE NEVER LEGALLY ENTERED INTO BUSINESS WITH ANY OF THE COMPANIES LISTED ABOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to use my Equifax account to login to My.Equifax.com on the evening of XX/XX/2020. The account didn't work. I then placed the following calls with the details of the call. 
XX/XX/2020 XXXX XXXX  CST - Talked to customer service Their system was updating so nothing could be done. 
XX/XX/2020 XXXX XXXX  CST Talked to customer service and reset the password. Tried it and it failed. Told to try again in 30 minutes. Tried it the next day, still failed. 
XX/XX/2020 XXXX XXXX CST Talked to customer service and reset the password. Tried it and it failed. Told to try again in 30 minutes. Tried it two hours later, still failed. 
XX/XX/2020 XXXX XXXX CST - Talked to customer service Their system was updating so nothing could be done. 

When ever I've tried to deal with Equifax it's been a hassle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian and XXXX  credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2018-04-08
Company: Collection Information Bureau, 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: Account status incorrect

Complaint:
XXXX XXXX provided XXXX XXXX in the end of XX/XX/XXXX and incorrectly billed me {$900.00} in XX/XX/XXXX. After a discussion with XXXX XXXX the amount was eventually reduced to {$81.00} which was promptly paid in full on XX/XX/XXXX. In that short time, while waiting for the adjusted bill I was sent to collection. I have disputed the amount and status of the account with XXXX   who sent a request to the billing company, XXXX XXXX XXXX, who claims {$900.00} is still due!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2022-11-13
Company: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is a copy of the letter I sent Chime. They denied my disputes three times and each time I had to continually ask for a reason for the denial. One time I was told because I was in the same city as the charges, which was not true. I am in Nevada and the charges were from California, and another time the reason was because the card was in my possession. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/2022 Chime Bank XXXX XXXX XXXX XXXX XXXX, CA Dear Sirs : I am corresponding regarding my fraudulent activities claim. 
I have had several fraudulent transactions posted to my account, generated from XXXX, CA. I reside in XXXX XXXX NV and am elderly and on a fixed income ( social security ) therefore I do not travel. 
I immediately called Chime when these transactions appeared. In fact, while I was on the phone with a customer service representative two of the three charges appeared. I also spoke with a manager from the dispute department at Chime and after reviewing everything, her findings were that of the cloning of my account. I was assured that this issue would be resolved and my money would be returned to me. 
I have received notice that my fraudulent claim has been denied and no one can give me a reason as to why. I have requested to receive a written denial several times to no avail. 
The fraudulent transactions are as follows : XX/XX/2022 {$27.00} at XXXX XXXX XXXX XX/XX/2022 {$200.00} at XXXX XXXX XXXX XXXX XX/XX/2022 {$160.00} at XXXX I would appreciate some help in this matter because as I previously mentioned, I am on a fixed income and am in need of the return of this money. I was in XXXX XXXX NV when these charges occurred. I was also on the phone with your representative when two of the charges went through. 
I trust that someone will get back to me in this regard as soon as possible. Please feel free to contact me at any time if more information is needed. 
Thank you for your time. I look forward to hearing from you. 
XXXX XXXX XXXX Acct # XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I first filed a complaint with the CFPB XX/XX/15 in reference to my Wells Fargo home loan. I had repeatedly applied for a loan modification and or forbearance. I supplied Wells Fargo with endless amounts of documentation in support of my request and I was repeatedly told " I didn't qualify '' for a loan modification. Reasons given included ; 1. I made too much money 2. I made too little money.

3. I hadn't missed any payments and they couldn't work with me until I stopped making payments 4. They didn't have my documents, or my documents weren't correct In the end I lost my house to forcloser in late 2015 as a direct result of Wells Fargo 's unwillingness to work with me as is required. Instead, they intentionally delayed, deferred, and misdirected me with the express intent to cause me to lose my home. The home was sold at auction, and we lost everything. Per the recent settlement over this type of harmful behavior on the part of Wells Fargo I feel my family and I are due consideration for our damages.

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 2022-03-31
Company: Pathfinder Credit Services
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX, NC listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX has incorrectly reported an account with a past due balance in the amount of {$6600.00} on my credit report. I was employed by XXXX XXXX XXXX. / XXXX enterprises after attending and completing training with XXXX in XXXX, NC. The loan amount was being deducted monthly from my paycheck and XXXXXXXX XXXX was to match my monthly payment. I have all of my pay stubs from the time that I was hired at XXXX XXXX XXXX XXXX XXXX until my last week of employment to show when and how much was being deducted from my check on a monthly basis. XXXX driving school in XXXX, NC made no effort to contact me via phone or mail until years after they claim I defaulted on said loan and when they sent a letter by mail, It was an offer to settle for a lesser amount. I have fulfilled my obligation to Driver 's management XXXX., XXXX XXXX and XXXX driving school in XXXX, NC therefore I owe nothing to XXXX or Pathfinder credit services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
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:
n accordance with the Fair Credit Reporting act XXXX Account - {$740.00} XXXX XXXX XXXX XXXX {$1000.00} 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

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 2023-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I received an email from Bank of America stating an account was opened in my name. I contacted them as soon as I woke up and saw the email regarding the fraudulent account. I was told that it was closed and that was it. I received an email about a week later entitled Check Fraud and Digital Claims and the email looked suspicious asking me to send a copy of my social security card, social security statement, my identification, mortgage/lease statement and other personal information. I co tasted Bank of America and after 2 hours was not able to resolve this issue. They don't want to confirm if the account is closed and are acting like they can't tell me if there has been activity on this account that was opened in my name. They won't answer how or why an account could be opened in my name without them verifying my information or receiving a deposit. I would like to file a complaint on Bank of America because this business practice is not fair to consumers. I have a block on my credit and now a block on XXXX. I feel like they are not doing their due diligence to protect consumers from 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 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX, XXXX XXXX XXXX, transunion are reporting a bankruptcy On my credit report and they have put in the date of furniture that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX which is false, attached is a copy of a letter from the XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX verifying and stating that they do not furnished information over to the credit bureaus or any credit monitoring services nor they verify or validate any information concerning Bankruptcies. TransUnion, XXXX & XXXX are falsely stating this information on my credit reports and have yet removed this information from my credit reports.THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA {$610.00} ( 15 U.S.C. $ 1681I ). AND THE INFORMATION MUST BE DELETED IMMEDIATELY

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 2023-06-29
Company: EQUIFAX, INC.
State: AL
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 XXXX Account XXXX XXXX XXXX XXXX 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 without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: OH
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 appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX Balance : {$370.00}

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 2021-10-25
Company: Longbridge Financial, LLC
State: CO
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I request funds from longbridge financial from my reverse mortgage .it has been over a month and I have not received the monies.the first request I waited 3 weeks no money.i called customer service and they resubmitted my request I called and they said the check was in the mail.that was 7 days ago. I feel like I am being scamed.I have bills coming due that I was going to use those funds for.now I will have to pay interest on my charge card.trying to reach someone by phone is really frustrating. It usually takes over an hour to connect with an agent.Do I have any recourse against this company?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Affirm Holdings, Inc
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
A loan with Affirm was take out fraudulently in my name for {$4000.00} on XX/XX/2022. I immediately reported this to Affirm. It was told they would freeze my account. Was also told that I needed to submit an Affidavit for XXXX and a police report to them so that they could open up an investigation into the matter. I completed and submitted the reinsured documentation in addition to an FTC Identity Theft Report to Affirm 3 times. They have emailed me back 5 times over the past week stating that I am responsible for the loan. I don't want this to wreck my credit. I've need additional support trying to get this issue remedied. Please look at the XXXX  complaints for this company. I am not the only consumer this is happening to.

Company response to consumer: Closed with explanation