BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
For the past couple of months, someone has been using my information to apply for credit and loans, all of which appear on my credit reports. After speaking with the Experian fraud department- which I was only able to reach after calling 5 times - I placed a fraud alert with all XXXX credit reporting agencies. Despite this, multiple hard and soft inquiries were added to my credit report ( XXXX ). At this point, I used Experian to place a credit freeze. 

On XX/XX/XXXX, ( the same day another hard inquiry was reported on my account ), I received an email notice from Experian that my account information had been updated. I did not make these changes. Indeed, someone was able to change the email and phone number associated with my account, so I am no longer able to log in. With access to my account, the assailant is able to lift my freeze and fraud alerts, and continues to apply for credit. 

Experian 's security issues have caused my direct financial harm and requires significant time to repair. Each attempt to contact the fraud department takes at least 5 tries, and I don't have time to do that on a now-monthly basis. I am now delaying plans to apply for a mortgage because of this issue. The fact that their higher-level security monitoring is only available with purchase is unfair, especially considering the credit agencies determine so much of our lives. With evidence of extensive fraud attempts linked to my identity, they should not have allowed this to happen. My credit score has dropped over XXXX points, which has been detrimental to my life plans.

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 2023-08-28
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing this dispute letter on my own behalf. Please be aware that I have recently studied US laws, and I am fully cognizant of my rights. I am well-versed in the provisions of the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX  ), which grants me the right to safeguard my privacy and medical records from third parties. It is important to emphasize that I do not consent to any third-party collection agency accessing my personal financial information. While I understand that HIPAA allows for some limited information disclosure, it is crucial to note that any specific details can only be revealed with the patient 's explicit authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Shellpoint Partners, LLC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'll try to make this brief as possible, covid impacted also exemployer broke DOT and FMCSA laws found guilty had to leave to protect my life and license, fell behind several months mortgage sold to a company called Shellpoint after having several serious issues and gathering info RED FLAGS popped up on laws suits on wrong billing improper information LIES committing criminal acts for personal greed, gain, and self interest like abusing religion to steal land and not pay taxes Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: BlockFi Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
The BlockFi terms of use state that a users wallet is their own property at all times, and not the property of BlockFi. BlockFi, however, has acted as if it is their property and refused to provide access to, withdrawals of, or otherwise has converted users assets contrary to its own terms of use and without authorization of the users. 

The Wallets should be returned to each own, especially XXXX assets which were represented to be backed 1:1 from instititutions, thereby knowing that the assets can be withdrawn. Any other action by BlockFi is not legal and is akin to fraud, embezzlement, and stealing of user assets -- especially if such assets are being used to finance BlockFi 's other initiatives or financial problems with separate and distinct loans or related transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I got scammed out of {$320.00} through cashapp they didn't do anything about it and cashapp double charged me from a Payment made back in XX/XX/2023 for {$170.00} almost 2 months later they charged me again for the {$170.00} again the first purchase was cleared but I end up getting XXXX to refund me because the order got delivered to the wrong address cashapp closed my account after filling a claim against them 4 months ago never heard from them or the attorneys the screenshot with multiple transactions is how I found out that cashapp took another {$170.00} I went from {$620.00} to {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Regarding the XXXX XXXX ordered settlement. For four years I have demanded my court ordered check. 
Case Number : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Case XXXX XXXX XXXX Last location XXXX New York. Never responded, but XXXX knew he was in the basement. Never returned my call. The Company who he worked for know his where abouts. In this letter it states " We will reopen your file. '' This man never did. XXXX XXXX XXXX also never assisted in the resolution of my dispute. THIS CRIMINAL BEHAVIOR IS STILL PRESENT TODAY. 

THE SETTLEMENT ADMINISTOR XXXX XXXX XXXX XXXX, MN XXXX LIED TO ME ALSO. 
MY COURT ORDERED SETTLEMENT NEVER ARRIVED. 
XXXX XXXX also stated, " THERE is a " HUGE PROBLEM. '' XXXX XXXX 'XXXX  XXXX ' XXXX OFFICE LIED! I SUPPLIED MY AZ. MARRIAGE DOCUMENT ( 2 TIMES TO THE XXXX XXXX WELLS FARGO MANAGER ON DUTY. HE FAXED THEM WITH COMPLAINTS TO THE EXECUTIVE OFFICE. 
IT ONCE AGAIN WELLS FARGO THAT DOESN'T KNOW WHERE I AND MY HUSBAND RESIDE. 

I AM VERY TIRED OF THE ABUSE! THESE PEOPLE SHOULD BE PROSECUTED! 
TO HAVE TO BE INVOLVED IS THIS ACTIVITY YEARS ON END IS ILLEGAL. 

I WANT MY COURT ORDERED XXXX SETTLEMENT CHECK. I WANT THE CFPB TO PROSECUTE THESE UNKNOWN INDIVIDUALS. THEIR STATE LICENCES NEED TO BE REVOKE BECAUSE OF CONTINUAL LIES AND EVADING FORMER CUSTOMERS WHO HAD TO LEAVE CRIMINAL ACTIVITY. 

PLEASE NOTE THAT ONCE AGAIN ANOTHER PERSON HAS TO RESOLVE ALL MY CONTINUAL COMPLAINTS OF FRAUDULENT ACTIVITY. XXXX XXXX AND THE BOXES OF INDIVIDUALS THAT ARE ALSO INCAPIABLE. THIS IS ABUSE!!!!

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 2023-10-27
Company: Experian Information Solutions Inc.
State: CA
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:
Company is in violation of aforementioned codes by reporting derogatory information 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 2022-11-20
Company: BlockFi Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I hold my XXXX, XXXX, and some XXXX XXXX on Blockfi that currently fluctuates between {$60000.00} and {$70000.00} value. At its peaks this was worth around {$150000.00}. I am currently unable to withdraw my money due to the fraudulent way they have ran their business as well as their seemingly being exposed to XXXX in some way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: DISCOVER BANK
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We had a home equity loan with Discover Home Equity Loans. We sold the house and had a closing set for XX/XX/XXXX. The closing attorney pushed the closing to XX/XX/XXXX and the final payoff was submitted by the closing attorney. We completed closing and thought all was well. I received a call on XX/XX/XXXX from Discover Home Equity saying that we were late on payment and that they had not received a monthly payment since XXXX. After 3 hours on the phone with them and being switched around to many people, we learned that they received our final payoff from the closing attorney on XX/XX/XXXX. They said it had a {$120.00} shortage. They stated that a letter was sent to us on XX/XX/XXXX and that the letter was NOT sent certified. As of XX/XX/XXXX, we have not received this letter. They also stated that they called every day. We had no knowledge of their calls or received any messages from them until the call received on XX/XX/XXXX. They returned the entire payoff amount back to the closing attorney on XX/XX/XXXX which the closing attorney received on XX/XX/XXXX. Throughout all of this they started to hit our credit reports with late payments for our loan. The closing attorney re-sent the final payment with an updated amount and Discover received that payment on XX/XX/XXXX. As of XX/XX/XXXX the loan has been paid in full. However, there was no communication that any of this was happening, we never knew that there was a shortage on the original payoff, we have no idea why they sent the entire wire back which took multiple days, the closing attorney had no knowledge anything was amiss until they randomly received the money back on XX/XX/XXXX from the XX/XX/XXXX closing date. We are trying to get a mortgage and are not able to because of the late payments Discover Home Equity listed on our credit report from the closing situation. We have explained the situation and have even asked them to do a goodwill removal of the late payments. We had excellent payment history until the closing of the house. This is hurting us tremendously and we do not know how to correct something that was completely out of our hands. Discover has sent us a check for an overpayment on XX/XX/XXXX that was more than the original shortage that started all of this. We have not received any communication from Discover that the loan has been paid in full. I was only made aware of that by looking at my account online. Our credit reports are still showing the loan as open and with the payoff balance being owed. Also, I am not able to see any of the activity that took place in XXXX with the payoff being sent, a shortage and the full payoff sent back on my account online. Ive attached what I am able to see in my online account and have attached documents from our closing showing that closing was on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
( CREDIT ACCEPTANCE CORP NJ COMPLAINT ) Credit acceptance Corp, inside of XXXX XXXX XXXX in XXXX, New Jersey, is the financer for vehicle said in statement. They had me at about 23 % interest rate with a {$390.00} payment for a XXXX XXXXXXXXXXXX XXXX with XXXX miles on it. 


Early last year I purchased a vehicle from XXXX XXXX XXXX in XXXX, New Jersey, from the beginning the car had issues. It would shake violently, mind you this is right off of the lot, I had to bring it back to the dealership to get fixed. It took them about 34 days to fix my new vehicle, and I was out of my new vehicle for 34 days. After everything was fixed my vehicle drove okay besides a TPMS code going off. I was driving my vehicle about 2 weeks ago and my transmission went out of nowhere without any sort of noises, feelings, or just general malfunctions. I understand that credit acceptance Corp is already in a lawsuit with your organization and the state of New York, I wanted to let you know that this is also happening in New Jersey. They are financing lemons to people that are desperate for cars, hiking up their interest rate, and taking advantage of them. 

Thank you for reading this and taking the time out of your day, I hope to hear from you soon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including 4 inquiries that I have not gave anyone authorization to make. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts form my name. 

XXXX  XXXX {$420.00} XXXX   XXXX  XXXX {$420.00} XXXX  XXXX {$300.00} XXXX XXXX XXXX {$61.00} XXXX XXXX {$71.00} XXXX XXXX {$100.00}

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 2023-10-27
Company: Experian Information Solutions Inc.
State: PA
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 I am a victim of identity theft please remove it from my 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 2022-12-27
Company: Early Warning Services, LLC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was messaged on XXXX  on XX/XX/22 by a user who has since deleted the account. They claimed that they would send me money if I send them my XXXX. They claimed that there is a processing or authorization fee for the money to go through. At first it was a {$50.00} fee in order for me to receive {$2000.00} immediately. I sent the {$50.00} on XXXX  to the user $ XXXX as they told me to. Then they claimed that {$100.00} was still needed to process in order for the {$2000.00}. They claimed that they would send me {$2200.00} instead since I now had to pay more. So I sent {$100.00} to the same XXXX  $ XXXX. And they just kept tacking on more money that they were going to send me, which required more processing/authorization fees of larger amounts. The next payment they requested was {$150.00} to be sent to $ XXXX with account name XXXX XXXX. I also received a legitimate looking email with a picture showing that they had already sent {$4000.00} to my Zelle but it showed it needed higher fees still. I ended up sending them money a total of XXXX separate times totaling {$3400.00}. The individual transactions are as follows : - {$300.00} sent to XXXX XXXX ( XXXX ) via Zelle - {$300.00} sent to XXXX XXXX ( XXXX ) via Zelle - {$69.00} sent to XXXX XXXX ( XXXX ) via Zelle - {$300.00} sent to XXXX XXXX ( XXXX ) via Zelle - {$400.00} sent to XXXX XXXX ( XXXX ) via Zelle - {$550.00} sent to XXXX XXXX ( XXXX ) via Zelle - {$500.00} sent to XXXX via XXXX Pay - {$700.00} sent to XXXX via XXXX Pay - {$50.00} sent to XXXX XXXX ( $ XXXX ) via XXXX  - {$100.00} sent to XXXX XXXX ( $ XXXX ) via XXXX  - {$150.00} sent to XXXX XXXX ( $ XXXX ) via XXXX {$200.00} sent to XXXX XXXX ( $ XXXX ) via XXXX  I would also receive texts from XXXX ( claimed to be the lawyer ), XXXX ( claimed to be XXXX of XXXX XXXX ), and XXXX ( claims to be XXXX XXXX ) regarding the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: SYNCHRONY FINANCIAL
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After filing two claims through the XXXX XXXX XXXX I am currently being taken to court in an attempt to collect the balance of my Synchrony credit card ( {$3000.00} ). I have requested the Terms and Conditions as well as my enrollment documentation for Synchrony 's XXXX XXXX XXXX and the credit card opened with Synchrony on XX/XX/XXXX. I have attempted to collect this information from both Synchrony and XXXX XXXX XXXX on XX/XX/XXXX. Synchrony responded with not willing to provide the information. XXXX XXXXXXXX XXXX XXXX response was an ask if I wanted to dispute the charge and not to provide me the information requested. I have disputed the debt with XXXX XXXX XXXX on XX/XX/XXXX. The dispute explains how I am not liable for the debt because I used Synchrony 's XXXX XXXX XXXX to file two claims for payment protection due to being laid off during the covid pandemic due to lack of work. Those claims were made XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
XXXX XXXX : Commencing on or about XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX ( the XXXX ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. Money was transferred from my account via wire transfers, and through XXXX named XXXX and XXXX in the total amount of XXXX USD utilizing Truists services. When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Truist Bank did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Truist Banks custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Truist Bank promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Truist Bank was in compliance with its own policies and procedures ; ( v ) whether Truist Bank owed duties to myself, what the scope of those dutie

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXXXXXX XXXXXXXX XXXX XXXX Balance : {$15000.00}

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 non-monetary relief
Consumer complaint received 2019-08-31
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On numerous dates they have accepted the Student Loan deferment, but for years they keep sending back the Student Loan forgiveness form to keep getting the Doctors signature. Such as the last date XX/XX/2019 is one of the dates they have sent back yet another notification. I had to send a fax and letter to my Doctor on XX/XX/2019 for the loan to be forgiven when the President Of The USA offered to forgive my Student Loans and setting any account free. I have two other people on the account on the Family Plan that I want to add and they have two separate last names, and I have them both as Co- Borrowers ; you may contact the  number of the first Co-Borrower as possible. Sent in good faith, and none delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Block, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I went to log in to my Cash App and received an error message stating that my account had been closed. I reached out to cash app and was told on several occasions that i would receive am email, i never received one at all. I then waited a month, still no email. I then contacted Cash App again and was told the same thing, but never recieved anything. I did a review on Cash App and received a prompt response to my review, but still wasn't given a reason as to why my cash app was closed. I never did anything wrong using my cash app so I am seriously confused. I need my cash app account back open especially knowing that I did absolutely nothing wrong.

Company response to consumer: Closed with explanation