BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been 60 days and you are in VIOLATION of this law, since I am a victim of identity theft. Please delete these items as soon as possible!

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 INSTRUCTIONS 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. ACCOUNTS : XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX. INQUIRY : XXXX XX/XX/

Company response to consumer: In progress
Consumer complaint received 2023-12-19
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with fraud alerts or security freezes

Complaint:
Found out today that Mr Cooper experienced a third data leak - the third in three years. This time, however, all of the owners whose mortgage Mr Cooper holds had their PII taken in this data breach. Names, address, SSNs, financial accounts and records, work history - all of them information taken for all of the nearly XXXX XXXX owners. 

How can a company whose business is to administer a loan ( not provide loans, but rather just hold and collect on them ) not make security of their assets a number one priority? 
For it to be this frequent is startling. Worse still is that us, the mortgage holders, can do nothing about it as we can't move on from Mr Cooper as they own our loan ( even though we didn't take a loan with them ). 

Can you look into this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: In progress
Consumer complaint received 2023-12-14
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Good morning, On XX/XX/2023 I added {$200.00} into my CashApp account. That very same day on XX/XX/2023, I attempted to transfer {$200.00} from my CashApp account into my XXXX account. I was using my CashApp XXXX card ending in # XXXX. I added the CashApp visa card ending in # XXXX into my XXXX account and requested the {$200.00} transfer. When I hit submit in my XXXX account the transaction in XXXX was denied. I couldnt understand why because I had {$200.00} in my CashApp account. I wanted to confirm that I had the funds and when I looked in my CashApp account, to my amazement the {$200.00} was taken out. It stated on the transaction history that the payment was completed. I contacted both merchants and everyone is telling me the opposite. XXXX is showing that the payment was denied and CashApp showing that it went through. Nobody is trying to help me. Cash App wont do a conference call with XXXX to confirm the transaction due to recorded phone calls. Its against there policy when they are speaking with a 3rd party to have phone calls monitered. This to me is a red flag. I was advised by CashApp to file a claim and I filed 2 claims, # XXXX and # XXXX. Unfortunately that same week, I did receive email communication that both claims were denied. I asked CashApp for a transaction number for the approved payment from XXXX and they could not provide me with that information. I requested documents that they used to determine a denial and they sent me a 1 page paper with basically the same info that I am seeing on my CashApp dashboard with no reference or transaction number for the approved payment. I contacted XXXX and they were helpful and provided me with a transaction number for the declined transaction. I tried to provide this number to CashApp and they didnt even want to use it. I am know stuck in a situation where my {$200.00} that I worked for is lost and both merchants CashApp and XXXX are saying the opposite. What am I as a consumer supposed to do. This is my hard earned money. Its the holidays and {$200.00} just disappeared. I am very saddened and have exhausted all avenues and this is why I am reaching out to you for assistance. I have attached information and communications between both CashApp and XXXX. 

CashApp ID : XXXX XXXXXXXX XXXX ID : XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2023, three days after my escalation, the institution notified me that it had suddenly suspended my CD accounts without providing valid reasons amid my complaints and escalation of the issues. See the full text message from the institution.

A so-called " review of potential security concerns and/or irregular activity '' is unrelated to the customer 's actions. It appears the suspension was imposed almost three weeks ago intentionally to discourage or restrict customer complaints.

I am requesting Bread Financial to promptly lift the suspension on my CD accounts without valid reason. If this is not done, I will have no choice but to escalate the matter to higher regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
TD AUTO FINANCE please be aware that this is my final notice that I am sending you before I move forward with suing your company due to negligence, defamation of character, and violation of the FCRA. The following account XXXX should be removed from my credit report IMMEDIATELY. You are trying to collect a debt which is over the statute of limitations in the state of Texas. The account was to be removed from my credit report in XXXX of XXXX, yet it is still reporting. You are also furnishing different information between the 3 bureaus such as the balance and the Date last active. I will attach my credit report to this complaint showing the erroneous errors and the date showing that this debt is uncollectable and the account being over 7 years old. At this time, I am only requesting that this account be removed within 15 days. If this account persists, I will have no choice but to proceed with legal action against your company. Please see the attached docs and remove the aforementioned account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Bread Financial ( BF or the institution ) has not provided any evidence of compliance, or demonstrated of key controls and a compliance framework established to comply with all applicable laws and regulations. Furthermore, the institution did NOT comply with the applicable laws and regulations when opening CD deposit accounts in my name in XX/XX/XXXX. As evidence, unlike multiple other digital banks Ive dealt with, the institution did neither email new customers of the key terms and conditions nor provide an agreement with the details of the deposit contract at the inception of the CD deposit. Having information somewhere on the institutions generic and broad website is not in line with the spirit of the laws and regulations, and the institution can not claim that it complied with the applicable laws and regulations. Period. Once again, in accordance with Rule 12 CFR 1030.4, the institution is required to provide initial disclosures before an account is opened or a service provided, whichever is earlier. BFs response received on XX/XX/XXXX to my complaint is simply unfactual and a wrongful response, merely claiming compliance with no evidence. Furthermore, a so-called review of potential security concerns and/or irregular activity has nothing to do with the customers actions or activity. The suspension has been imposed almost XXXX weeks since the institution intentionally fabricated a story to restrict or discourage customer complaints. 
In conclusion, in addition to the non-compliance issue, this institution apparently has an integrity issue. The institution 's integrity issue has been clearly revealed through sneaky non-compliance at account opening, unfactual responses with false information on officially raised CFPB customer complaints, fearlessly perpetuating lies, and suddenly bringing up a security issue for this particular individual account without reason for weeks. 
In addition to my initial complaints about the non-compliance issue, I am encountering more issues with this institution and will have to report to more regulators, eventually seeking resolution through the court if not resolved via filing issues with regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: HW Holding, Inc
State: MN
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection Agency HUNTER WARFIELD. continues to refused to accept my valid proof of debt paid. XXXX XXXX refuses to respond to them. The debt was paid almost 2 years ago but they repeatedly continue to reach out to me and also threaten to put this back on to my credit report. All three credit report agencies has already removed this debt in 2022. I have a copy of the check and they continue to deny me even when I dont owe anything. Their client XXXX XXXX refuses to respond to them after they were paid double the amount that was being asked for. They are asking for money that was already paid a long time ago. HUNTER WARFIELD representative even helped me through the process of getting the bad debt removed from my credit report back in 2022. IF XXXX XXXX  refuses respond to them that is not my fault and not up to me. Both companies are terrible and are trying to illegally obtain money from me that was already paid. Falsely report on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We were vacationing in XXXX on XX/XX/XXXX. While purchasing gas at a gas station we attempted to use our Chase credit card to pay. The gas attendant used a wireless credit card reader to charge our card. She stated it " did not go through '' and called over another attendant with a second card reader who attempted to charge our card. They stated neither charge went through. We had to pay {$60.00} USD cash for the gas. 
We researched the gas station online ( via XXXX maps ) and found this fraud scam is very common at this particular gas station. 
Later that day when we arrived back in the XXXX, we checked our Chase account and saw two charges, one for {$59.00} for gas and one for {$1500.00} at a " sportsbar ''. We immediately contacted Chase to disputed the charges and report our card as compromised. Chase stated they would investigate the charges as fraud. 
The charges were removed from our account. On XX/XX/XXXX I received a message from Chase to return a call about an inquiry on our account. I was told they could not confirm the charge of {$1500.00} was fraud because we used our card before and after the charge. I was also told that because the charge was a " chip '' purchase and that I willingly gave my card to the gas attendant, that we are now responsible for the charge. 
Chase declined to remove the {$1500.00} charge. 
Chase did not flag the charge as suspicion even though it was a large purchase, out of country, and well outside of our normal purchase habits. They have also not offered any solution other than having to pay the bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29
Company: EQUIFAX, 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 accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-17
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a notice from Comenity Capital Bank on XXXXXXXX  responding to a notice I wrote to the company on XXXXXXXX  in regard to an account number ending XXXX being reported inaccurately on my consumer report, Your company responded back saying you investigated, and the account was accurate, I never asked for you to do an investigation on this account, I explained that the company was reporting inaccurate /incorrect information on my credit report. Since XX/XX/XXXX you have been reporting XXXX as a charge off, a charge off is considered a certificate of indebtedness and according to the IRS a charge off is considered income and income does not get reported to the consumer report and must be filed on your taxes even if it's under XXXX dollars, according to the IRS. Pursuant to 15 USC 15 1681s-2 it is Comenity Capital Bank responsibility to provide accurate information. To continue to report this inaccurate information on my consumer report is a FCRA violation. You have been put on notice that the information you are reporting is inaccurate. Your company is also in violation of 15 USC 6802, you were not supposed to share or sell my nonpublic personal information to a nonaffiliated third party for profit without my consent, XXXX, XXXX, and XXXX are all also third party nonaffiliates, you were not supposed to share my information without giving disclosure in writing or electronic form that such information may be disclose and giving me the opportunity, before the time that such information is initially disclosed, to direct me on how I can opt out of my information not be disclosed. Pursuant FCRA 15 USC 6803 you violated my privacy rights, you were to maintain and protect the confidentiality and security of my nonpublic information. even if I ceased to be a customer of your financial institution, I never gave you consent to share or sell my identifiable information you violated the Privacy Act of 1974. You are now put on notice that you are reporting inaccurate information, and you are in violation of my Federally Protected rights, as a natural person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Block, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXXXXXX XXXX Cash app embezzled XXXX dollars from me. 
They double charged me moved my money with out permission charge excess of fees made fraudulent purchases and refuse to acknowledge it and refuse to reimburse me. There are many mistakes viewable on my balance sheet and activities page. They have taken access to my accounts and wallets that are not attached to them. They have sales I have been involved with on their ledger and no time was cash app involved whatsoever. They owe me numerous times over just in this one week. I will attach the balance ledger given to me. Which has bogus charges and purchases and fees attached. I see trips and purchases I don't know of. As in with video surveillance still you can not see me making the transactions. Also they do not list transfer I did make. The amount is XXXX total of XXXX $ due to me and I get no answer. There are charges and purchases and cash app was not involved in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Vehicle was purchased in city where I do not live. Wasnt present for purchase and isnt sure how this transaction took place exactly but I was not apart nor did I sign any documents. I have filed a police report pertaining to the matter which I was advised by a relative that my sister XXXX XXXX possibly used my info. I filed report of identity theft with her listed as possible suspect. At time of purchase I had open loan with XXXX XXXX which I drove an XXXX XXXX XXXX. I presented all required documentation to Santander for investigation which they are stating that they will not remove from my credit. I have disputed report but nothing is changing. I was also an employee of Santander call center which I had to list my vehicle for registration to park on property, Ive asked for them to pull that information from their Human Resources dept but they refuse to. Also address listed of purchase Ive never resided there which due to purchase it was added to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: Cedars Business Services, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023 CEDAR BUSINESS SERVICES added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA CEDAR BUSINESS SERVICES has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: DISCOVER BANK
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/, my Discover credit card payment was reported as late and with an incorrect past-due amount to the credit bureaus. This has significantly affected my credit score, where it has decreased by over XXXX points with numerous cards limiting my available balance because of the alleged supposed increase in my risk profile. I believe I was enrolled on autopay, I do on most of my cards. I did not receive any notification in the mail about any late payment as required by the FDCPA and the RFDCPA, since I'm a California resident. To the extent my payments were late because I was not properly enrolled on autopay, I have no problem paying a late fee per my contractual obligations. But the payments should not have been reported as late to the credit bureaus without offering me a fair warning to fix the situation. At a minimum, I should have been given official notice to make the payment before it was reported as later. Indeed, as soon as I saw the credit bureau late payment report, I immediately paid the balance to bring back the account as current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A 1099c discharge was made to XXXX XXXX ( The original creditor ). Jefferson Capital Systems took over the account claiming the account is charged off for {$920.00}. If this is a certificate of indebtness, that is now considered income and must be removed, I am not sure why this is still on my credit reports according to 15usc 6802. 

XXXX, XXXX, and XXXX are all reporting the debt.

Company response to consumer: Closed with explanation