BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: EQUIFAX, 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:
This is my SEVERAL request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX ; XXXX A XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX **** Balance Owed : {$860.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$2400.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$450.00XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$7600.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$1100.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$480.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Balance Owed : {$1700.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1100.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$3900.00} ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: Block, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I made a purchase with my cash card at XXXX using XXXX app to purchase my goods. I wasnt able to get my goods due to technical issues on XXXX app. XXXX stated I needed to dispute the transaction through my bank to get a refund as they are unable to refund me on their end.

Cash app refused to investigate my case. I submitted multiple disputes, Ive contacted cash app via customer support, phone, email and social media.

My disputes were denied in less than 24 hours each time indicating no one actually investigated my case. 
Cash app also restricted my cash card therefore I can no longer make purchases using cash app. 
I was accused of fraud even after submitting a letter from XXXX explaining my case with cash app and my dispute was not resolved after this. 
When I requested the reason for my denied claim, cash app sent me a copy of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-22
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:
Spoke with XXXX in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Didn't receive services that were advertised

Complaint:
I filed an identity theft with Transunion case # XXXX. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 
Accounts : XXXX XXXX XXXX  # XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX Transunion has failed to investigate and remove these items from my consumer report. XX/XX/2023 they responded with a letter saying that's these accounts are verified which is a violation of my consumer rights. 
See documents attached below

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08
Company: Strategic Funding, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I took out small {$1000.00} loan 2 years ago. I have paid the payment back faithfully for 2 years. So Ive paid over {$3000.00} back on a {$1000.00} loan. I was completely shocked to learn that I still owed Jacksonville Title more than what I originally borrowed 2 years later. I wrote them letters & emails explaining that we are having a hard time financially. My car has been in the shop 3xs in 2 months with the mechanic fees being over {$3000.00}. We also had to start helping my sister in law pay for care for my husbands mom with XXXX. My husbands work truck was wrecked & we are having to pay out of pocket to have tons of body work done -close to $ XXXX-so he can work. My daughter is graduating high school early and have had a lot of college application fees that we did not expect this year. Many things in our life has caused us to be struggling financially a little. The truck that was repossessed was our only working vehicle at the moment, it had a lot of my husbands work supplies in the bed & back seat. It was the only transportation I had to take and pick up my kids from school & after school activities, as my car is in the shop being repaired. the title company took it anyway even though I pleaded to please give me some type of deal on getting loan paid. I really can not believe companies are allowed to do that.

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 2023-06-22
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed a VA partial claim in XX/XX/2022. I did not know what this was but my mortgage company XXXX XXXX XXXX insisted this was the best route for service member and for me to reduce my monthly payment. 

XXXX sent the partial claim to the VA and requested for XXXX to be paid. The VA sent the claim back to XXXX requesting corrections XX/XX/2022. XXXX responded after numerous complaints I filed with XXXX. They resubmitted the loan to VA XX/XX/2022. 

The VA sent it back again requesting correction to verbiage in the document. This time, XXXX transferred my loan to their partner New Rez. However, New Rez doesnt have a loss mitigation department and referred me to their partner Shellpoint Services . I have been in contact with shllpoint for numerous months trying to get the verbiage corrected so that the VA can pay out on my partial claim. They have instead turned the balance over into a deferrment. 

This is not how the process goes and is hurting my credit tremendously. The company refuses to fix it and I am at a loss. I am PCSing soon and wont be able to find a place because they are reporting my mortgage as a deferment instead of how the VA partial claim is supposed to be paid out and reported as a separate loan. 
Please help. Im at my end with these 3 companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: ATLANTIC UNION BANKSHARES CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My checking account was closed without my, or the joint account holders, authorization.I Discovered that my account was closed on XX/XX/XXXX, after checking the status of a direct deposit that was supposed to be sent to my account that day. Called the bank on Saturday, XX/XX/XXXX, and the representative could not find information regarding why my account was closed and that the account was closed on XX/XX/XXXX. The representative stated that she would send a request to another department and would touch base with the following week. After not hearing from her, I called on XX/XX/XXXX, and spoke with XXXX and she sent a information request to my Local Bank Branch. She told me to call back on Thursday, if I had not heard from her by the following Wednesday. Called on XX/XX/XXXX and spoke with XXXX. He stated, after digging into my bank file, that the account was closed, due to the account being at a {$0.00} balance for 20 days. He stated that this was in the terms when I opened the account in XXXX. However, the bank had merged and changed names after opening the account and I was not aware of these new terms. Previously, I have had a {$0.00} balance for over 30 days in the past and was puzzled as to why this time it changed. I was neither notified nor given a notice that the account would be closed. I had other banks give me notices and I complied with them, but this bank does not have such a system. On another note, after this bank merged, I had other issues dealing with this bank. A major one being that they drained my savings account, due to maintenance fees that I wasn't aware of, and closed the account after depleting the balance to zero. I have been a customer of this bank and its predecessors for over 20 years and I will not be a future customer of this bank, nor do I recommend this bank to other consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-05
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SECOND COMPLAINT : Wells fargo bank said there is know wrongdoing on their behalf well we see that no company will admitted wrongdoing even when they are caught like you WELLS FARGO BANK Who we all know i a Repeat Offender, now the only Modification that we remember {$500.00} which was paid off quickly that all we recall but we remember putting down payment {$43000.00} XXXX dollars cash and was making our Mortgage payment faithfully until we be came sick also this loan management called XXXX XXXX XXXX services came out of no don '' t know this from a can of paint, we signed no papers with this LLC we do not have a clue who they are but any companies that swooped down on homes that falls in to foreclosure that can secretly Transferred documentation without the homeowners knowledge is very dangerous my be this XXXX XXXX XXXX XXXX XXXX Should be Investigated along with WELLS FARGO BANK as a repeat Offender., Turning down people of color are a lower income for a Modification is plain Discrimination CFPB show that on their Website I don '' t know what papers XXXX  Doctrine up against me they know they stole our home from me & my wife through Foreclosure, .please Include us in your XXXX XXXX XXXX, XXXX  Treated us unfairly.

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 2023-06-22
Company: MoneyLion Inc.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX  XX/XX/2023 my account was suspended for " suspicious '' activity after purchasing XXXX goods. After sending multiple forms of identity / residency proof, and explination of funds in question ( an {$1800.00} payment to a friend who loaned me money ) they have still and continue to deny me access to my account. XXXX  XXXX XXXX they answered me everyday. It is now XX/XX/XXXX and I'm not being answered at all after sending XXXX more final proofs of my residency. I am now not going to get paid as my paycheck goes to this XXXX bank, I'm going to miss payments, and I have been left out to dry all week as they have NO physical location I can go into. I want my account opened and that's obviously too much to ask for. These people and places need to have direct contact lines to people not just some XXXX on the phone who speaks broken XXXX and says " oh sorry i can't do nothing about that. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Experian Information Solutions Inc.
State: NV
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:
REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS XXXX XXXX XXXX  


MY ADDRESS IS 

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  

15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE 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 2021-11-08
Company: Foris DAX, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I signed up. with crypto.com to buy and trade crypto stock. I sold all of my stock on XX/XX/XXXX and has since not been able to retrieve my money back to my bank account. I was forced to transfer all of my money into crypto.com stock as that was the only option given to me when I sold my stock. I Have tried to set up a XXXX XXXX to retrieve my funds but have not been successful, as I was told I cant be verified. Which is strange because It is the exact same information that crypto.com used to verify me before I could trade on their site. 

I have reached out to them many, many times in the chat with everyone giving me the exact same scripted answer. I was told through chat to upload documents my ssn card just recently and before a utility bill by a chat rep. They can not give me a location on where to load documents. There is nowhere to upload documents I believe unless it's requested by XXXX XXXX. None have been requested. 
We are in week two and I still have not been verified. they keep reseting my account stating everything is good to go you should have no problems. I have litterly done that 8xs. 
In the mean time my money is in their stock. I am loosing money as they hold on to my money in their stock. I was told they do this often by the chat rep. So they are Stealing my money for their stock price to go up along with others. I have no way of contacting anyone higher. 
This should be illegal

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 2023-06-22
Company: WELLS FARGO & COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
There are two aspects of my complaint. 1 ) Wells Fargo is not allowing multiple payments in a single day if they are not from Wells Fargo accounts. 2 ) Wells Fargo has charged me interest on credit card debt multiple times even though the payment is made on the due date. My wife and I have non Wells Fargo bank accounts that we attempt to make payments on our due date, and the Wells Fargo system will not allow this to occur. We have documented this multiple times over the last two months. This is something new as it was not like this previously. It appears to us as consumers that Wells Fargo has created this system in attempt to collect fees when they are not valid. I am sure this is happening to other account holders and they should be informed. Wells Fargo is acting unethically and seemingly illegally by attempting to collect fees when they are not valid. This needs to be investigated.

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 2019-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was sitting at home one evening watching tv with my spouse after work. I only own a car, that's all we own in our household are cars when suddenly there were 2 withdrawals done out of my account amounting in almost XXXX for motorcycle parts online. I do not own a motorcycle nor do I work on motorcycles. I was given a temporary credit for the amounts but yesterday was notified that I'll have to refund one of the amounts. There is no good reason as to why I should have to. I did not make those purchases on XX/XX/XXXX... XXXX in the amount of XXXX and the other for XXXX. Those withdrawals set me back and almost made me get evicted from my place because that was my mortgage. Now I'm being faced with possibly being put in the same predicament again because of them denying my dispute. Please help : (.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I attempted to purchase a Puppy from XXXX XXXX XXXX and the person told me to use Zelle, I checked on my Bank App XXXX XXXX '' and it showed I was able to use Zelle. So assuming my bank would cover if something went wrong, I used it. And sent the money through Zelle, to find out the person was scamming people. The purchase was made on XX/XX/2022 XXXX TO XXXX XXXX {$750.00} ; and when I found out it was a scam, I went to my bank before it was even processed. They told me, there was nothing they could do till the pending status was removed. So the following day I went back in, spoke to a representative at the counter who called XXXX 's fraud department, who transferred us to Zelle 's fraud department within my bank 's branch. And they told us to wait 10 business days, they would call me and get more info. Instead of calling me, they sent me a letter on XX/XX/2022 stating " Based on our investigation, the transfer was valid and processed as instructed. As a result, your dispute is denied. '' And when I called the branch near me, they said I'd have to call Zelle. But if you call Zelle, they tell you that it's your bank that needs to handle this situation. 
-The purchase was done on XX/XX/2022 and on the same day I realized it was a scam ; the following day XX/XX/2022 Monday I went into my bank, they said if it's pending they can't do anything. Then made a appointment for XX/XX/2022 to come back to the bank to get it resolved. To which they called XXXX 's Fraud Department for Zelle. That's when the rest transpired above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo contacted me about 2 accounts in my name which were closed by them. I do not have accounts with Wells Fargo and believe these accounts to be fraudulent. I was made known of these accounts XX/XX/21. I attempted to call Wells Fargo to inquire however was bounced between customer service and fraud multiple times without assistance and hung up on multiple times. When finally getting somebody willing to help, they were unable to verify any information as I did not have enough information to correspond to these accounts, in addition to my name, address and social security number. 

Given Wells Fargo has a reputation recently for starting fraudulent accounts, I am concerned this may not be resolved in its entirety.

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 2023-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, 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:
These Three company have deliberately had unauthorized inquiry on my credit report, I need to be deleted IMMEDIATELY CAPITAL ONE Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX CAPITAL ONE XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX These are the following dates of unauthorized inquiries

Company response to consumer: Closed with non-monetary relief