BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
Company: Block, Inc.
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I became aware of a fraud account under my name with Cashapp when I tried to sponsor my daughter 's cashapp account, because the app gave me an error message that I reached my sponsor limit. Yet, I have not ever sponsored any account through Cashapp. 
Yesterday, XXXX XXXX, XXXX, I was repeatedly being hung up on when asking for a XXXX or asking for help understanding why this error was stating I reached my limit across all cashapp accounts, but I have not ever sponsored any cashapp account. Cashapp kept refusing to explain & would hang up on me. Also, yesterday, through emails, Cashapp continued to refuse to help or investigate my issue. 
I finally got through to a XXXX named XXXX, after a couple of hours of being hung up on. While on the phone with the XXXX XXXX, he told to me that there is another account, in my name, that was sponsoring XXXX other accounts. This was an old account that I had not been able to access since around XX/XX/XXXX, therefore all the activity in that account since XX/XX/XXXX is fraud & identity theft. After being told about the activity on this old account, I have repeatedly tried to report the fraud & identity theft regarding this old account, that I had only gained access to with XXXX XXXX 's help when he transferred my phone number to that old account for me. Once I gained access to that old account, on XXXX XXXX, XXXX, I closed that account, because the Cashapp XXXX told me to delete that old account & then I would be able to sponsor my daughter 's account. 
I have been trying to resolve the issue with Cashapp on their chat service through the app, through emails, & over the phone, but Cashapp has kept refusing to help me resolve the issue, has refused to take my complaint or investigate my issue. Cashapp has hang up on me nearly every time I asked for a XXXX or tried to report the fraud account. In emails, Cashapp has downright refused to offer any help & wouldn't investigate my issue or file a complaint. 
Now, today, XX/XX/XXXX, I'm still getting the error message that I've reached my sponsor limit, I reached out to Cashapp again & again about the issue through phone calls & emails. Again I was hung up on mulitple times & had an extremely hard time trying to reach a XXXX, & Cashapp continued to not listen to me or offer any help with my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX I received several emails from Bank of America about being approved for a checking account. When trying to call immediately no one at BOA would talk to me and said they would email paperwork to fill out to prove I am me. I went into a branch for assistance since they would not talk to me. She faxed over the info BOA emailed me with my IDS for verification and they said as of XX/XX/01 the account was frozen. I have since tried to make contact with reps at BOA who have no idea about the timeframe to review or could give any info. I requested no funds be allowed and the account to be closed however people continue to XXXX  money into this account. I now truly believe BOA is engaging in anti-money laundering and perhaps are the ones who opened a fraudulent account in my name. To date I have not received any letters from them regarding their investigation and have received terrible service and information when trying to call. I tried to go into the branch for help again and the branch does not know the process either and could not understand why they would allow funds to be deposited when I said this was fraud. My identity is important to me but clearly not to BOA as they allow illegal funds to be deposited in an account in my name that I never opened. This needs to stop and this account should be closed not frozen, or BOA should be investigated for not having a fraud process in place and allowing such a big bank to engage in fraud and not do anything about it.

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 2022-12-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was supposed to receive a {$25.00} bonus credited to my account on XX/XX/22. The bonus never posted. I called and they said it would post on XX/XX/22. It has still not been posted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 accuny # XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states i have rights to privacy.

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish a account with out 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 non-monetary relief
Consumer complaint received 2021-09-05
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The two avante medical collections that Im sure are not mine. Collections have fallen off through out the years but I have not been to the hospital in several years so i dont know why they are popping up on my account. The other two XXXX Im still in the process of paying I know those are most likely mine, but the other two are really suspect to me because they popped on my account out of no where.please help me underStand whats going on here. Im really upset medical accounts keep popping up when I havent been to the hospital in years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: TX
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:
US BKPT CT TX XXXX XXXX Important dates Original filing date XX/XX/XXXX Latest status date XX/XX/XXXX Additional details Reference number XXXX Record type Bankruptcy XXXX XXXXdismissed Court US BKPT CT TX XXXX XXXX Information was found to be fraud and was deleted by XXXX. Experian claims they received the information from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681 XXXX, XXXX ACCT # XXXX has violated my rights.

15 U.S.C. 1681 Section 602A States I have a right to privacy. 15 U.S.C. 1681 Section 604A Section 2. Also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681C ( a ) ( 5 ) 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.

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2018-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Dear Sir or Madam, I have been a victim of Several Data Breaches resulting in Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.

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 2022-05-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complainant purchased the residential property in question in XX/XX/XXXX, immediately after which the associated mortgage was acquired by respondent, Fifth Third Bank. Records would show that complainant subsequently issued payment to respondent on or about the first of the month via an automatic bill pay service, with no delinquencies whatsoever. Amidst the sale of this house in XX/XX/XXXX complainant was advised via the Closing Disclosure that respondent was assessing " Late Charges '' against the account. Around this time complainant received a bulletin from respondent stating that " Although we appreciate receiving your XX/XX/XXXX payment of {$1300.00}, your total payment is {$1300.00}. Our records indicate that you should have received an escrow analysis statement showing a monthly payment increase due to an increase in the escrow portion of your payment. '' However, no meaningful notice was actually provided of this subtle impound increase. Complainant contacted respondent by telephone initially on XX/XX/XXXX to request the opportunity to make up the apparent deficit and to request reversal of the related late charges. Respondent 's agent, XXXX, stated she had no record of this letter or any late charges. However, as the closing date for the sale of the property neared, the escrow agent reconfirmed that Fifth Third Bank was continuing to levy late fees, and, because the transaction was formally in escrow with a final payoff having been requested and computed, complainant had no further opportunity to intervene directly. Complainant re-telephoned respondent on XX/XX/XXXX by which the issue was stated to be escalated to the supervisory level, although after a reasonable period of time there has been no response from respondent. Respondent received the {$21.00} " shortfall '' via the payoff. Complainant seeks refund of the {$89.00} late charges asserted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
This is the letter I have sent out after multiple visits and verbal talks in person about the situation. 

Hello, My name is XXXX XXXX To whom this may concern My credit/consumer report has been approved from your company for a auto loan for NOWCOM/XXXX XXXX auto center. I have been to XXXX XXXX auto center multiple times my down payment is {$500.00} towards westlake auto loan on the contract that is given to dealer XXXX XXXX auto center but I have been rejected multiple times from XXXX XXXX salesman to put more money down. I stated what money I have down and I also stated previously that there is no law saying I am required to pay a down payment also I stated. 

XXXX XXXX XXXX - No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state that specified down payment, by the creditor who advertises his services.

15 USC 1605 ( A ) determinations finance charge defined- except as otherwise provided in this section, The amount of finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit.

12 CFR part 1002 - equal credit opportunity act regulation B protects application from discrimination in any aspect of a credit transaction. Includes consumer credit, open-end credit, credit applications, standards of creditworthiness, denial credit, revocation, alteration, or termination of credit.

12 CFR 1002.7 Rules concerning extension of credit : A individual accounts a creditor shall not refuse to grant an individual account to a creditworthy applicant on basis of sex, material status, or any other prohibited basis.

Consumer credit protection act, there are numbers of provisions that were enacted under the CCPA including the truth in lending act, Federal wage, Garnishment law, Fair credit reporting act, Equal credit opportunity act and fair debt collection practices act ECOA - The Equal Credit Opportunity Act : Is a federal civil law that forbids lenders to discriminate against loan applicants for any reason other than their ability to repay.

After this was stated weeks later I received additional information from XXXX on my approval that I was able to put down {$500.00} down but the next day talk to XXXX rejected me to put down more. I need accurate information about my credit and my approval on the contract my personal information is confidential and my time is very valuable my job and other responsibilities depend on transportation. Thank you and hope to here from you soon Sincerely, 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 2022-12-16
Company: Ocwen Financial Corporation
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was contacted by PHH mortgage in the XXXX  of XXXX to inform me that I did not have an active insurance policy from XXXX of XXXX through XXXX. They planned to charge me approximately {$1400.00} for a back-dated insurance policy. Turns out my homeowners insurance, home site, had sent XXXX multiple invoices for payment in XXXX that were never paid and my policy was subsequently canceled unbeknownst to me. My policy that was cancelled was approximately {$650.00}, and I had to create a new policy this year. XXXX now expects me to pay more than twice as much for a policy because of a mistake that they made. The whole reason I have an escrow account is so that insurance payments are taken care of. I've called them multiple times throughout the XXXXXXXX XXXX XXXX XXXX I finally got a call back from someone saying that it was going to go to their investigation department and that she would follow up. Of course I never heard back from them, and they apparently expected the problem to go away. Now I get notifications that my escrow account has a negative balance and my mortgage is going up all of which are domino effects from the initial problem that they caused. I should not be responsible for this, I would like them to credit me the difference in the policy amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : 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 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 U.S.C. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached and FTC report with an account and inquiries I did not authorize

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 2022-07-07
Company: Marlette Funding, LLC
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: Account information incorrect

Complaint:
I took out a loan on XXXX for {$15000.00} On XX/XX/2022 I was contacted by best egg regarding a consolidation and refinance offering me a lower rate and payment on my EXISTING LOAN. 
I agreed. 
I asked if this was separate loan and they said NO THIS IS YOUR CURRENT LOAN. 
on XX/XX/2022 they deposited an additional $ XXXX into my account. I called in upset because as I suspected this was AN ADDITIONAL LOAN and they used PREDATORY TACTICS because I am a senior. 
I immediately asked that the loan be rescinded. They said I was still liable for the origination fees of {$790.00} ... and I refused to because I never authorized this loan. I only wanted a refinance of my existing loan. 
They finally agreed to remove it. But, to date it is still reporting on my credit. They provided a letter saying they remove it and they still have not. This is a huge hardship as I have been declined credit elsewhere due to their inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: RI
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'm a victim of fraud my personal information was used to open up accounts fraudulently, these account listed was not open or authorized by me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I am XXXX XXXX XXXX and was recovering from XXXX, so I was offered a forbearance plan, then a loan modification with Freedom Mortgage. The final documents were signed and sent via FedEx by me on XX/XX/XXXX. We proceeded to pay the mortgage under the terms of the agreement. 

Initially, I sent the first packet in XX/XX/XXXX. Freedom Mortgage immediately notified me there was an error made by the notary, she signed in the wrong spot. 

I completed new forms and had them notarized, and returned them via XXXX on XX/XX/XXXX. I sent them to Freedom Mortgage, but to their XXXX address vs. the XXXX office. I called regularly to see if it was received in the right office. XXXX tracking confirmed the overnight delivery in XXXX. I was told many things when calling Freedom Mortgage, but ultimately they told me the documents were received at the right location. 

I received a signed lender agreement dated XX/XX/XXXX. This agreement is several pages long, titled LOAN MODIFICATION AGREEMENT, signed and notarized by the Freedom Mortgage underwriter with confirmation the agreement was complete. We paid the mortgage since then under those terms. 

Seven months later, in XX/XX/XXXX, I received a letter and phone call from Freedom Mortgage letting me know they never received signed and notarized documents. They added they are no longer valid, my request for loss mitigation assistance is closed, and I must apply again. 

I have called them many times, each time with a different answer. I recently wrote them through their message center on XX/XX/XXXX and XX/XX/XXXX. They promised a response within three days, which has not been received. I called today and was told the person knew nothing about it, but once he looked into it, said even though Freedom Mortgage signed and notarized the documents they were too late for FHA. They only referred to the first packet sent in XX/XX/XXXX, which was corrected. Never mention of the XXXX submission, or their signed loan modification agreement dated XX/XX/XXXX. 

How can this be my fault? This is heartbreaking.

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