BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-04
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX : I received a {$36.00} payment from a friend via CashApp. This same day, I attempted to transfer the {$36.00} to my bank account, only to receive an error message stating that I have " {$0.00} to transfer. '' The following message also appeared on the email notification I received after getting the payment from my friend : " Due to an issue with your bank account, these funds were deposited to your Cash App. '' I was required to " Accept '' the {$36.00} payment within the Cash App, which I did. 

I still received nothing. 

On XX/XX/XXXX : I attempted to transfer the {$36.00} again, and still got the {$0.00} error. I initiated a chat with a support agent through the app for help with this problem, and was told that it basically comes down to bank processing times, so I may have to wait to receive the funds the following week. I waited until the next Monday to try again. 

On XX/XX/XXXX ( Monday ) : I checked the app to still see a {$36.00} balance and no transfer to my bank occurred. In an attempt to troubleshoot, I tried troubleshooting, as suggested by a CashApp representative unlinking and relinking my bank account to no avail. I connected my debit card, and the transfer still would not work. Thinking it was perhaps because I didn't have a Cash App Card, I completed sign up to receive this card still for the transfer to not work. 

In an attempt to further troubleshoot, I initiated a transfer of {$36.00} to a friend, rather than my bank account, and when presented with the option of sending from my Cash App Balance or My Bank Account, I chose Cash App Balance, but the transfer took {$36.00} from my Bank Account! 

I have reached out to support no less than 10 times since XXXX, in an endless cycle of my case supposedly being elevated to another department, waiting to hear back from them within a weeka time only to have my case closed, then having to call to reopen it again. It is now XXXX. The app always shows {$36.00} in my App balance, but I can not transfer it, as I am constantly told I have {$0.00} in my App balance. 

To make matters worse, I am seeing dozens of claims from others across social media and the internet with very similar complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: BBVA FINANCIAL CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I took out a loan to purchase a new car that ended up with BBVA. I went online to pay my payment but the system would not let me set up online banking. It would not recognize my social to set up online banking, even though I am clearly listed on the statement. I tried to get help via the phone line but when the associate answered she said she could not help me set up the info because she could not find my social. She transferred me again and I was left on hold for over 30 minutes. I had to hang up after the wait because I had to go back to work. I tried to chat but got no response. I was able to make my payment with an automated over the phone system but still have a late fee that could have been avoided if the system worked. I tried two more times to call and was on hold for over 30 minutes each time trying to set up internet banking. Last, I asked where to make a formal complaint so they would recognize the issue but they closed the chat instead of giving me the info so I chose to complain to the CPFB. They need an online method to fix issues or to answer the incoming calls. If I could easily move my car loan, I would.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: CO
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:
On XX/XX/XXXX XXXX I sent a certified letter to Equifax regarding NINE ACCOUNTS they are reporting inaccurately. They deleted three and They have yet to correct the other SIX. These accounts are Student loan accounts that are reporting Late payments during the Covid-19 Emergency relief of student aid. Which per FEDERAL LAW states if they are in deferment they can not report a late payment. This is very harmful to my credit and ALL SIX accounts need to be updated and REMOVE the late payment they are reporting. Ive enclosed a copy of ALL SIX credit reports as well as the letter I sent to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Fraudulent access to my consumer credit report after misleading practices which have been reported to the Federal Trade Commission today, XXXX. I did not give XXXX XXXX XXXX permission to run my credit for a vehicle collateral loan. I do not have a vehicle to put up for collateral, so I would not be applying for a loan that requires it. The prequalification assured that no hard inquiry or credit pull would show up on my credit. The hard inquiry is on my credit and the XXXX XXXX XXXX XXXX XXXX Department refuses to remove it. I called XXXX and spoke to XXXX today at XXXX XXXX  and I also submitted another complaint ( after sending XXXX via email and speaking to XXXX representatives that promised the inquiry would be removed from all credit reporting bureau reports ) via the Executive Department of Customer Care , XXXX XXXX XXXX  at XXXX. No resolution. I was not notified of investigation status or results. Difficulty submitting a dispute or getting info about a dispute over the phone -- customer service just keeps giving different phone numbers and playing phone tag with the customer, promising to remove and not remove. I asked for the written authorization as well as the decision today.

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 2023-07-04
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I accidentally went out of my savings and checking account for chime. I pressed select help to call the company. The guy sent me personal texts with a link to access my phone through a quick support app where he was having put in other numbers for other accounts I have with XXXX XXXX XXXX XXXX and asked for numbers on other cards that my have credit on them. He accessed personal account info which I saw him get into through the app on my actual phone. He wanted specific days and times I get deposits. He keeps sending me personal messages to call him back to help me get into my chime account which I'm already into and he told me not to change my passwords or anything until I speak to him

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: BOEING EMPLOYEES CREDIT UNION
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Related to COMPLAINT ID # XXXX. 

Per the last response from Being CU, completely misleading to me and CFPB with their response that their were working on the issue, so much so that they filed in court for full recovery of the loan and fees, very corrupt and misleading from their part. 

The court filling states that the car is to be delivered, it has been in their possession for over 1 month now, as it was repossessed from Boeing CU, and completely avoiding my calls. 

XXXX XXXX. XXXX XXXX XX/XX/XXXX and delivered on XX/XX/XXXX. And was given 30 days to respond, took them 21 to deliver it, not very ethical practice from Being CU and XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Collection Bureau of America Ltd.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection Bureau of A- XXXX - is reporting on my credit and attempting to collect a debt that I do not owe. I don't owe this nor have I ever signed anything or received anything and this looks like it is old and past the statute of limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Consumer Financial Services Solutions, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I was looking for a loan to consolidate my debts 3 credit cards 1loan total of what I thought was around XXXX dollars now this company Beyond Finance said they could help me but the interest was going to be very high. so if I wanted to get on this program they have I could get a very low interest. well I said that is what I want so we signed the paperwork and set up payments direct deposit from my bank account I trusted them but 3 mouths later I find out it was not a loan but some other tipe of consolidation I called them because I was still getting bills from the card company 's my credit score was in the upper XXXX I was not in default and a perfect payment report I just wanted a loan to make everything into one payment. This company scamed me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress. I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from 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 non-monetary relief
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The below are all accounts that were compromised by scammers and hackers attempting to steal my identy. This IDENTITY THEFT, caused my LATE PAYMENTS. For the months and accounts listed below. Therefore, this directly is a violation of FCRA 605b.. This is not a *DISPUTE. Per 1681c-2, this inaccurate reporting. A clear violation of my consumer rights which now allows me to take civil action against this compay. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
This complaint is against Equifax. I submitted an application to an apartment on XX/XX/2021 which uses Equifax for credit checks. They informed me they were unable to process the credit check due to insufficient credit profile. The same happened for my XXXX XXXX credit card. They used Equifax to verify my credit and stated I had an insufficient profile. XXXX XXXX has confirmed they report my line of credit to all three bureaus. Additionally, I had student loans and was an authorized user on a card that should have been reported. I'm unable to create an account and have faxed identifying documents on XX/XX/2021 as requested by customer service. I'd like to understand why reported credit is unavailable through Equifax, why the system won't allow me to create an account and how I can create and view an account/report through Equifax. So far, this has likely cost me a place to live and customer service is not sufficient for a company with this level of control over my finances, personal information and life decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I don't know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is aquatinted or who may have knowledge concerning any such items of information on a consumers credit record obtain directly from a creditor of the consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. I'm requesting the removal of accounts and or monetary compensation due to violations of my rights. I'm currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore I'm requesting removal and this account violates my consumer rights in several ways. Please remove and provide some update within 4 days of receipt, as this has been ongoing for over 4-5 months.

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 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I checked my consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
We got my reverse mortgage with XXXX XXXXXXXX XXXX, they did a very good job. Everything was fine until our home was destroyed with hurricane Ian. We got our insurance check and called PHH Mortgage ( same as XXXX XXXXXXXX XXXX ) for a payoff on XX/XX/2022 after getting the run around and several calls on XX/XX/2022 we get a payoff. They received the check on XX/XX/2022 to pay off the mortgage and put the money in escrow until XX/XX/2022 when they paid off our loan. After calling and getting disconnected several time because every time you call you get a person in the XXXX and they know nothing and when they try to connect to the US you get disconnected. I finally was told on XX/XX/2022, after several phone calls to them, that it would take up to 90 days to get the overage money back to me. They are holding the money for almost 5 months and making money on the money ( over XXXX  ) that belong to us. We can't start building a new home until I get my that money back. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: CITIBANK, N.A.
State: NC
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, I made a cash advance that totaled {$1000.00} with my Citi AAdvantage Mastercard ( account ending in XXXX ). Unknown to me, my credit card was then hacked, spoofed, or whatever the term is. And someone that was NOT ME made two more cash advances as the same place for the same amounts ( XX/XX/XXXX for {$1000.00} and XX/XX/XXXX for {$1000.0

0} ). I was unaware of this fraudulent transaction. Approximately two weeks later, when reviewing my statement, I noticed these two fraudulent charges. I called the company. We reviewed all my charges prior, these two charges, and all the charges afterwards. I told them that I was responsible for many charges prior and after, but I was NOT responsible for these TWO
cash advances. We closed the account and had a new card account issued as a result.

On XX/XX/XXXX, I received a letter from the bank stating that the NO CREDIT would be issued for these two fraudulent charges. The reason : " Valid charges were made with the credit care issued in the name of XXXX XXXX XXXX both before and after the disputed charges. We acknowledge your situation ; however, credit will not be issued for the item ( s ) in dispute ''.

This reason is nonsensical. I already agreed and affirmed valid charges with the company after I reviewed my statement. This is what caused me to call the company : these two fraudulent charges. My card and associated information was obviously hacked at the machine and malign actors used this to steal ~ $ XXXX in cash advances. The reason specified by the company makes no sense. I attempted over the last 2 months to call and get more information and rationale, but to no avail. 

I am being denied protections afforded to me under the Economic Growth, Regulatory Relief, and Consumer Protection Act and the Fair Credit Reporting Act and I request immediate remedy.

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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have disputed inaccurate information on my credit report numerous times with Transunion. This goes all the way back to XX/XX/XXXX. XXXX XXXX XXXX XXXX. ( 2 ) XXXX accounts. XXXX XXXX XXXX and XXXX XXXXXXXX XXXX are all still on my credit report and are reporting inaccurate information. They sent me a letter stating the accounts have been verified and updated. But how? If the information is not matching up. I would like to know how was the information verified and if it was indeed verified. These accounts need to be removed and deleted from my consumer report immediately due to Transunion have violated my rights. A consumer report has to be 100 % accurate across the board. Meaning with a 3 credit bureau

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