BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-10
Company: Block, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, my cell phone was hacked by someone posing as an XXXX XXXX representative. I called their number obtained from XXXX search. I was immediately asked to download an app, Anydesk Remote Desktop, to allow them to check my phone to determine why one XXXX XXXXc and Arcade games were not working with my XXXX TV account. Halfway through the call, I was asked if I had a Cash App and if it would be used to validate my authenticity. So codes were immediately texted to my phone for me to enter into my Cash App account. After questioning why this needed to be done, I was told suspicious connections had been established on my phone. So I thought that they needed the information to remove those connections. When I continued to ask questions, the call ended immediately, and the two pending transactions in my Cash App were no longer pending. 
An {$1800.00} fraudulent transaction was also processed using my Cash App. My local bank has temporarily refunded that amount pending further investigation. 
Before XXXX, there were two pending transactions ( {$100.00} received on XX/XX/XXXX and {$150.00} received on XXXX ) in my Cash App. 
I immediately contacted Cash App XXXX to report what had happened and submit a claim. They investigated and determined that I had authorized someone to use my credentials. On XXXX, I contacted Cash App XXXX again and asked if I could share documents to substantiate my claim, but they never responded to that request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: CCS Financial Services, Inc.
State: OH
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:
Credit Collection Service, is a company that I have no acknowledge of, I've attempted to dispute this with credit reporting agencies and haven't received a explanation on why this company is asking me to pay XXXX XXXX and XXXX Dollars, this account has been on my credit report since XXXX XXXX 2022, with an account number of XXXX, I've sent a certified letter asking for a copy of the original contract with my signature and still no response.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: EQUIFAX, INC.
State: OH
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:
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX. Identity Theft XXXX  Account Number : XXXX XXXX. Identity Theft XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: MD
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 sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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 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 2022-03-08
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 did not authorize the accounts showing on my credit report. I have been away traveling for college. I recently came back to XXXX from Oklahoma. I checked my credit report because i am trying to get a apartment and was denied. I have never tried to use credit until now. I don't know who opened the accounts on my credit report but it was not me. i am listing the additional information that does not belong to me here : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX tx 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 2018-09-16
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have never requested to have my Chase College Checking account switched to a Premier Plus Checking account, nor was I notified of the $ XXXX monthly service fee that penalized users when their checking account holds less than a {$15000.00} balance. Yet JPMorgan Chase Bank & Co took it upon themselves to do just that and then charged me a $ XXXX monthly service fee from XX/XX/XXXX XX/XX/XXXX. When I finally caught on to what was happening I demanded to be refunded but was told their system only permits a refund for 5 months of service fees, despite this dating all the way back to XXXX of XXXX. Customers should not have to monitor their bank statements in fear of their accounts changing in ways that allow the bank to charge their accounts. I also should not have been blamed for not having caught onto Chase Banks shady behavior until recently. 

This is unacceptable, and I will see about my college, The XXXX   XXXX University issuing out a mass warning to all 45,000+ students to which Chase is currently advertising their services to. College students should be warned that when they create a new Chase College Checking account, they are in danger of their account being switched so that Chase bank can accrue monthly service fees, as is the case with Premier Plus Checking account. But most importantly warned that JPMorgan Chase Bank & Co  happily does so without the consumer 's consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: ASAP Credit Repair
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I was scammed out of {$440.00} During the process I been trying to get funds back from the beginning but was told I had to wait until the process was over. I was also told if I wasnt satisfied I would get my money back XXXX percent so during the process the company took XXXX item off which managed to return causing my credit score to drop XXXX points!!! When I informed them they treated me poorly never apologized! I also deleted items off of my credit and I was informed for me to show them proof so they can refund me and when I showed them they ignored me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX filed a fraudulent insurance claim on my damaged phone back in XX/XX/XXXX i believe and after i switched companies they are trying to charge me XXXX after the fact for a damage phone and already sent me a debt collection letter before even sending my final bill

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 2023-03-10
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 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 2023-08-02
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:
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.

The letters are stated with items and issues.

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 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 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT ON MY CONSUMERS REPORT AND CREDIT FILE S DEPT. OF EDUCATIO Balance details 0 % paid off Balance {$9300.00} Balance updated XX/XX/XXXX Original balance {$4900.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Installment Status Pays account as agreed Status updated XX/XX/XXXX Past due amount - Original balance {$4900.00} Monthly payment - Contact info Address XXXX XXXX XXXXXXXX XXXX, WI XXXX Phone number By mail only THE DATE OPENED/ DATE CLOSED/LAST PAYMENT DATE / BALANCE ARE ALL REPORTING DIFFERENT ON THE 3 CREDIT BUREAS ALSO THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL ACCORDING TO THE " FAIR CARES ACT '' ANY FRAUD REPORTED BY CONSUMER MUST BE REMOVED FROM THAT CONSUMERS ACCOUNT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

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 2022-12-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We recently got burglarized last XX/XX/XXXX and filed a claim for our home insurance policy with Wells Fargo to cover our losses. We called Wells Fargo and was informed that we dont have any existing home insurance policy for our house under our name but in fact was paying for a policy for a different person and a different address since XXXX until recently. Our previous insurance policy was cancelled because of this. 
We have been calling Wells Fargo since the incident regarding coverage for our property losses but have been passed from one representative to another with no resolution regarding our present predicament. They said somebody will call us regarding the matter but it has been more than a month since then and we havent heard anything. Getting burglarized was a very traumatic experience for our family and we are all still struggling with post-traumatic stress at this time. And to make matters worse, finding out that we dont have an existing home insurance policy has made our current situation even worse.

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 2023-07-06
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
bad warranty, vehicle was repossessed and sold via auction for what my loan amount was

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 2022-12-15
Company: SYNCHRONY FINANCIAL
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:
SYNCB/LOWES PLCC ( Hotel and travel ) XX/XX/2022 SYNCB/LOWES PLCC ( Hotel and travel ) XX/XX/2022 I have 2 inquiries on my credit report because they failed to identify me at the first time giving them my social security number, my phone number, my address and my driver 's license number. They asked me to take a picture of myself at Lowe 's store, and they end up telling me, " we couldn't identify you based on the information you provided, the picture was not for you, so we can't issue a Lowe 's Advantage card ''. I filed a complaint with the XXXX, and they said " we are sorry, we made a mistake ''., they issued a Lowe 's Advantage card for {$10000.00}. 

I called and asked them to remove the first inquiry because it's their fault. They sent a letter saying, " we can't remove the first inquiry because you could not identify yourself ''. But they could identify me the second time without a picture and issued the card. I spoke to a supervisor after receiving that letter, and he promised to put a request to remove that inquiry. Today, XX/XX/2022, meaning, XXXX months later, I called and spoke to XXXX, account manager, who said, I can't put request to remove this inquiry, because you failed to identify yourself to us. I said, no, you failed to do that. You issued me XXXX credit cards based on the same information. I hang up and called again, after being on hold for an hour and XXXX minutes, I spoke to manager, XXXX, who said, I will put another request. I asked : why XXXX, the account manager refused to put that request again? She said, I don't know. the system in Synchrony Bank is defected. 
The same problem with their automated service is still happening today : you call and enter account number ; it says we can't find an account. Entered social security number, the same reply. We can't find that social security number, after pressing XXXX more than XXXX times, I spoke to a representative who said, yes, I have your account number and SS number. 

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 2021-11-30
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 have sent out several disputes trying to get false information off of my credit report. They are refusing to remove the incorrect info off of my report. The late payments showing for XXXX, XXXX XXXX, XXXX, XXXX and XXXX Card are all incorrect. I contacted the creditors and they explained to me that the information in their system is not showing late payments and that I need to dispute with the credit bureaus. The late payments are making my credit score low and I am trying to buy a house. Also the bankruptcy and XXXX credit card needs to be removed as well. This bankruptcy was filed in error and the XXXX  credit card was opened fraudulently. Lastly XXXX  credit card was suppose to be removed from my report after I paid it. Transunion refuses to remove it. The credit bureaus are refusing to fix these errors and I dont know what to do.

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 2023-08-02
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-01-30
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am submitting this complaint as a Housing Counselor on behalf of the Homeowner 's family : The Estate of XXXX XXXX. I am working with his wife XXXX and his daughter XXXX. XXXX 's email is : XXXX. Please include her with responses. 

XX/XX/2021 XXXX offered a permanent modification for the mortgage post COVID XXXX The 3 trail payments were made ; the first payment was made w/ funds from the suspense account + a phone payment. The 2nd 2 payments were made via phone payments. The permanent modification was not complete. The loan was transferred to Freedom XX/XX/XXXX, XXXX Freedom has not acknowledged the perm modification, although we have discussed and they have provided a payment history that verifies payment.

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 2021-04-13
Company: DISCOVER BANK
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My discover checking account was compromised. 

A check of mine was stolen and altered. 

I very promptly notified Discover and was sent an affidavit to fill out. I also filed a police report to put on the affidavit. In fact, I called Discover to help me with filling it out. 

Discover is now informing me that the affidavit was improperly filled out because too many things were initialed. I very honestly filled this out and even asked for assistance.

Company response to consumer: Closed with explanation