BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-03
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I reported a scam to CashApp for a {$230.00} transaction. Within minutes of the transaction, I attempted to cancel it but CashApp wouldn't allow me. I attempted to request a refund the next day, but that didn't work either. When reporting the CashApp user as a scam, it automatically blocks the account so I can't see if it's still active on CashApp. I tried contacting customer support, but they only had a chat bot. I asked the chat bot for a phone number numerous times and was never provided with a number for a live agent. 
I then disputed the transaction where the money transmission came from - my XXXX XXXX checking account. I sent XXXX XXXX all of the chat transcripts, logs, and receipts, but never received confirmation that they received the information or reviewed it. Several days later, I called XXXX XXXX claim support and asked numerous times if they received the email where I sent every detail about the dispute. I was told it doesn't matter because they won't honor CashApp transaction disputes. I asked to speak to a manager, but was transferred to an escalation call center where the agent repeatedly only said, " we won't honor this dispute. '' I spent a ton of time and effort doing my due diligence to have to follow up myself and simply be told no one will help me. 
I was dismissed by CashApp and I was dismissed by my bank ( XXXX XXXX ) despite having FDIC insurance that is supposed to protect me from scams and fraud like this. If XXXX XXXX won't even submit a chargeback for blatant scams such as this, they are encouraging the proliferation of scam artists on these apps because there's no repercussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are three accounts on my credit that do not belong to me I need these off my credit report I have a notarized affidavit with an FTC regarding this and I have been disputing these accounts since XX/XX/2020 I just dont understand why the bureaus are not answering back or helping me out regarding this matter I am getting frustrated 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 2023-03-31
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4700.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7800.00} ; XXXX XXXX XXXX Balance : {$0.00} ; 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, 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: Account information incorrect

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. 
NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Collection account. {$540.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: LA
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:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Repo XXXX rting act child support Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I was wells Fargo customer and some reason they cancel my account and they told me the will refund the remaining balance by cashire check But I contact them after the account was closed I asked them the balance I have in my account to refund but they told me all those money was received by XXXX payment so they will refund those money to the sender so they can claim with their bank The balance was {$4700.00} I dont understand why They can do that All those money are exchange we agree each other to paid me by XXXX XXXX have big financial problam since I can not use my money they been start holding those money from XX/XX/2023 I take some loan to pay back but now they say I will not get any money because those money are not entitled to refund to me. That was my money it was in my account already post. I try to see can someone help me regarding with this case Thanks

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 2021-08-03
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company, Fair Collections and Outsourcing is by way of identity theft, committing fraud. They have stolen my personal identifying information from XXXX XXXX Apartments, and have furnished my consumer reports with adverse information without my consent. The have not validated or verified this alleged debt, but there are attempting to extort me for payment by way of coercion.

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 2021-08-03
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Unauthorized account for Synchrony Bank : American Eagle, Care Credit and XXXX XXXX appearing on my credit reports.

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 2021-03-23
Company: Experian Information Solutions Inc.
State: NJ
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:
My credit was at XXXX and this company that I just paid off stayed on my credit report so I disputed it! After the dispute, my credit dropped XXXX my credit was rising and I think the system XXXX me and I'm willing to continue this until others ( that probably look like me ) come forward with the same problems! These agencies are working to keep things looking bad and I want this 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 explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I REVIEWED MY CREDIT REPORT AND NOTICED FRAUDULENT ACCOUNTS THAT I DID NOT AUTHORIZE ON MY CREDIT REPORT AND IT IS PREVENTING ME FROM RECEIVING CREDIT I filed a dispute pertaining to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

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 2022-04-01
Company: WELLS FARGO & COMPANY
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:
Good day Wells Fargo " Specialist '' I received your response today and as usual you have failed not only me as a Consumer, but you have failed the once pristine reputation of Wells Fargo. Should really think about changing your brand? Anyways youre previous and multiple responses do not address the cusp or root of the issue at hand. I'm not trying to persuade you to change your position based on new information. I'm stating that you need to change your position based on the information that has all already been provided. 
Again just because you deem the matter closed doesn't make it so... I did not except the almost identical terms and agreements of a loan that was deemed predatory and unlawful within our justice system. If I have to bring your so called modification in front of the Supreme Court for a final ruling I can do that as well. So to be clear, and keep in mind these complaints will be used against you as an attempt to resolve the matter amicably, the Modification was not handled in a manner that's been deemed fair and in the best interests of me the consumer based on my financial situation at the time. As a reminder then Attorney General XXXX XXXX named Wells Fargo as possible violator of the {$25.00} billion National Mortgage Settlement. Florida had received {$28.00} million as part of a multimillion, multistate settlement entered with Wells Fargo Bank N.A. to resolve claims that the bank violated state consumer protection laws, among other laws.

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 2021-08-03
Company: EQUIFAX, INC.
State: PA
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:
Equifax, XXXX  and XXXX  have to ignored my previous request and 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 and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions 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:
My name XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: BARCLAYS BANK DELAWARE
State: NY
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:
I HAVE A JET BLUE CREDIT CARD ISSUED BY BARCLAYS BANK. AROUND XXXX OF XXXX, MY CARD WAS USED FRAUDULENTLY FOR NEARLY XXXX XXXX DOLLARS. I CONTACTED THE BANK/CARD ISSUER, FILED A CLAIM FOR FRAUDULENT TRANSACTION. I WAS TOLD THAT THEY WILL CONTACT ME BY MAIL OR PHONE CALL IF FURTHER INFORMATION IS NEEDED. ABOUT A MONTH PASSED, AND WHEN I CONTACTED THE BANK, THEY TOLD ME THAT THEY HAD SENT ME PAPERS TO SIGN AND SEND BACK, AND I HAVE NOT, SO THE CLAIM IS CANCELLED AND I AM RESPONSIBLE FOR THE PURCHASE AMOUNT. I HAVE BEEN PAYING THE BANK FOR THE PURCHASES I HAVE NOT MADE, AND I KEEP ON ASKING FOR A PROOF THAT THEY HAVE SENT ME THE LETTER THAT I NEEDED TO RESPOND, HOWEVER, THEY ARE NOT PROVIDING THE PROOF THAT THEY SENT, AND THEY ARE NOT PROCEEDING WITH THE CLAIM, AS THEY HAVE CANCELLED THE CLAIM ALREADY. FIRST, CLAIMING THEY HAVE SENT THE LETTER THAT NEEDED TO BE SIGNED BY ME, THEN SAYING THE CLAIM IS CANCELLED AND I AM FULLY RESPONSIBLE FOR THE PURCHASES WHICH I DID NOT MADE, IS ABSURD. INSTEAD OF INVESTIGATING WHERE THE PURCHASES WERE MADE, REQUESTING SIGNATURES OR VIDEO RECORDINGS FROM THE MERCHANTS THAT THE CARD WAS USED, I AM TOLD THAT SIMPLY BECAUSE THEY SENT ME A LETTER ( WHICH THEY DID NOT ) AND I DID NOT RESPOND TO THAT LETTER. I ASKED THEM TO RESEND THE DOCUMENT OR EMAIL IT SO I CAN SIGN AND SEND BACK, THEY REFUSE TO COOPERATE. 

BARCLAYS BANK IS THE BANK JET BLUE IS THE CREDIT CARD. 

STAY AWAY FROM THEM. I AM ALSO SEEKING GOVERNMENT 'S ASSISTANCE FOR HELPING ME RESOLVE THIS ISSUE AS IT IS NOT ACCEPTABLE IN ANY WAY TO BE HELD RESPONSIBLE FOR NEARLY {$23000.00} FRAUDULENT PURCHASE WITH MY CARD. I WOULD NOT BE PAYING THEM ANY XXXX HAD IT NOT EFFECTED MY CREDIT HISTORY. THAT IS THE LEVERAGE THEY HAVE THAT THEY KNOW I WOULD HAVE TO PAY BECAUSE IT WOULD MESS UP MY CREDIT HISTORY.

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 2023-08-03
Company: Experian Information Solutions 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:
Old accounts that have been settled still show as collection

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 2023-08-03
Company: SUNCOAST CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023, multiple attempts were made to access my savings account in XXXX Florida. At a XXXX located XXXX XXXX XXXX XXXX, {$400.00} was withdrawn from my account. I immediately contacted Suncoast Credit Union & reported the unauthorized transaction on XX/XX/XXXX. Suncoast Credit Union told me between XXXX business days I would have my funds reimbursed into my account. On XX/XX/XXXX I contacted SCU and the bank stated there wasnt any updates on my dispute & by the end of the day I would have a response from their dispute department and I received no such communication. On XX/XX/2023 I once again reached out to SCU and they stated that it would not be a guarantee that I would be issued a refund. & that I should contact the ATM Company who allowed this withdrawal. I want it noted that I do NOT live in XXXX Florida. I live in XXXX Florida and all of my last recent transactions were in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Sterling Infosystems Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XXXX Sterling provided a background check with many completely wrong information which then, in turn, lead me to not get the job

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 2022-07-09
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I own a Savings accounts with the Discover Bank. In the past two weeks, my account was locked without access with no reason provided. In several attempts between XX/XX/XXXX to XX/XX/XXXX to resolve the issue with Discover Bank, the customer service from phone calls claimed that such issues would be handled by their security team. However, in several attempts to call the number XXXX, each time I would be put on hold for more than 2 hours without being answered in their claimed " working hours '', in at least 4 attempts all together spanning the past two weeks. The direct impact of this sudden, un-documented account freezing is that our external transfer to another bank has been rejected, which has caused significant disturbance to our financial plans. Thereby, I request that CFPB to urge the Discover Bank to take immediate action in resolving the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: IL
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 merchants XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602A states that I have a right to privacy.

15 U.S.C 1681 section 604A states that a consumer reporting agency can not furnish an account without my when instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation