BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-03
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:
This is my SECOND 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 alleged fraud or extortion XXXX XXXX XXXXXXXX Balance : {$1100.00} ; US DEPT ED XXXX Balance : {$3500.00} ; USDOEXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX 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 2020-12-14
Company: Caliber Home Loans, Inc.
State: AZ
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:
I refinanced my home mortgage with XXXX XXXX XXXX, funded on XX/XX/2020. This was a VA mortgage, they did a credit check. 
My loan was purchased by Caliber Home Loans. 
A credit inquiry was made on XX/XX/2020 by Calibar Home Loans which was not approved by me. This inquiry drastically reduced my credit score and I would like it corrected please. 

Please advise!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Chime Financial Inc
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Someone hacked my chime and XXXX XXXX card, chime card for {$300.00} and XXXX XXXX  for {$100.00} on XX/XX/22. The companys said they will try to dispute it but cant find the transactions but I have them in email. Also I cant access my chime or XXXX XXXX  card anymore. I have emailed both companies the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
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 applied for a HSBC credit card which was received in XX/XX/XXXX and was activated. I had conversation with a person at my bank and was told that HSBC customers had problems with customer service and to check the online reviews of the credit card. I checked and found out the reviews were not good. Therefore, I disposed of the card prior to making any charges. I received a bill showing that 8 purchases had been made on the card from XX/XX/XXXX to XX/XX/XXXX in the amount of {$110.00}. I attempted to phone HSBC numerous times and was placed on hold for long periods of time before I had to hang up. Finally, I spoke to a HSBC representative and was told the card had been suspended and could not be used. Based on this information, I felt I had satisfied my obligation in telling HSBC I did not make the charges and did not have the card. On XX/XX/XXXX, I received a bill for {$350.00} ( {$110.00} worth of charges and {$230.00} in fees ). The same day I called HSBC and waited on the phone 1 hour and 15 minutes. I never did speak to a representative. On XX/XX/XXXX, I wrote a letter to HSBC stating that I never used the card. I called again on XX/XX/XXXX and XXXX, XXXX. On XX/XX/XXXX, I spoke to XXXX at HSBC who told me the card had been stopped and to file a police report. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX saying this issue had been assigned to them for collection. The amount was now {$390.00}. On XX/XX/XXXX, XXXX XXXX sent me a number of statements showing the bill of {$390.00}. In discussions with XXXX XXXX XXXX XXXX I was told that if I pay {$300.00} it would serve a full payment of the charges. I responded by saying that since I did not make the charges, had spoken to HSBC and explained the situation, it would not be logical to make payment. I have written two letters to HSBC and one to XXXX XXXX. It is very difficult to speak with anyone at HSBC and this matter has become totally frustrating. Our credit rating is outstanding and we have never experienced a situation like this. I have gone to the local police department on two occasions, most recently XX/XX/XXXX, and was told they do not handle such a matter and was advised to contact HSBC Fraud Prevention. I have done this. Could you please help us? Thank You-XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I received a notification a few weeks ago I had a new collection which was odd but was on the road XXXX XXXX. It wasn't until I got home I realize there really was a collection and it was not mine. Looking closer at my reports I saw a number of accounts that were a result of identity theft that have been disputed in the past still remain. 

with Transunion Credit Bureau Systems XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - Opened XX/XX/2017 XXXX Department Stores XXXX/XXXX  XXXX Department Stores XXXX XXXX XXXX  XXXX ( Inquiry ) XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX  XXXX ( Inquiry ) with XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX/XXXX  XXXX Department Stores XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/2017 XXXX Department Stores XXXX XXXX ( Inquiry ) XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX  XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( inquiry ) XXXX XXXX ( Inquiry ) with XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXXXXXX  XXXX Department Stores XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX - Opened XX/XX/2017 XXXX Department Stores   XXXX XXXX  ( Inquiry ) XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX  XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( inquiry ) XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( Inquiry )

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 2023-08-15
Company: Block, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed by cash app on XX/XX/2023. I had {$370.00} that I wanted to cash out and send to my checking account but there was a fee involved over {$6.00} so I called the number listed on the app site-XXXX to see if fee could be waived since I waited the 2 day period to be able to use the instant payment option that didnt include a fee. I spoke with a person who identified himself as a cash app service representative who assured me that I shouldnt have to pay a fee if only I updated my cash app account which was lacking my email address. I updated my email address and then was led through a series of motions including sending money to XXXX of my contacts. The person didnt say they were dollar amounts but numbers to verify my checking account so my money could be sent directly to my checking account. I did this 3 times with different amounts totaling {$500.00}. I only had {$300.00} in my checking account at the time so once these amounts were cleared and returned to me I was then instructed to open an app Called - XXXX XXXX  and the representative instructed me to send the money to another pserson who I didnt know and I voiced my concern telling him I didnt want to do this and I was told it was ok so I did it then noticed that my balance on my cash app was now $ XXXX contacted cash app support at a different number from XXXX not number on XXXX because it no longer worked, and an investigation was done but determined that since I authorized the transaction no error was found and my case was closed. My money wasnt refunded and the amount in my checking account was also taken leaving me with no Money but a - {$190.00} balance. I feel cash app is allowing these scammers to rob their customers because the number I initially called came from their app! Once the transaction was completed the call was cut off and when I tried to call back it came to a XXXX number and my fee phone carrier came up. I am on XXXX and could not afford this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: Navient Solutions, LLC.
State: CT
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:
Navient said that they would send me a form to sign and verify that I am not co-signer on a student loan, but they never sent the form to me. I have since learned that the co-signer was in fact the students mother, but she put me in as co-maker because she said she could not co-sign due to being over extended. She filled out form using my info. Please send a form that I can sign so you can compare with the actual co-maker signature. I am XXXX years old and this has been destroying me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Volvo Car Financial Services U.S., LLC
State: NY
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:
Returned my XXXX truck back to dealership and they sent me a bill for over {$2000.00} dollars. I have sent them several validation notices as I want to know a breakdown of these monies and what it entails and have no responded. Now they have charged it off and sent it to a collections company negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
When I first took out a loan to purchase my car I was told I would receive a letter in the mail from TD Auto Finance with information on how to pay my first bill. A month passed and this bill did not come. I attempted to contact TD Auto Finance and was told I needed to wait to receive a bill in the mail. Another month passed and I still had not received anything. I called TD Auto Finance again and was told a bill would come in the mail. After some back and fourth, I found out I could in fact pay over the phone. I gave my card information on the phone and was told I could also set up auto-pay on the phone which I believed I had done. It was my understanding auto pay was set up, but months later I found out I had multiple missed payments. I was still not made aware of these payments through the mail. While TD Auto was not auto-charging my car payment, they were auto-charging me missed payment fees every month, so they did in fact have my card on file. When I found out I immediately paid all missed payments and set up autopay. 

I sent them a letter asking them to remove the derogatory marks from my credit score as their process of making payments was confusing and unclear, and because I already paid the late fee and have consistently on-time payments since discovering they were not charging me, but was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: CCF Intermediate Holdings LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
Avio Credit accessed my XXXX credit report on XX/XX/XXXX and XX/XX/XXXX. I do not recognize and did not authorize this access to my credit report. My credit report has an active fraud alert and is frozen/locked. Access to my credit file requires verbal approval to protect my identity. Additionally, I have opted out of pre-approved promotional offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've requested multiple times with several requests and documentation to update my current address. They refuse to remove all my old addresses that are no longer current and accurate

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 2023-08-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went to a Wells Fargo ATM here in XXXX, CA at the XXXX XXXX branch, XXXX XXXX XXXX, on XX/XX/2023, XXXX, XXXX XXXX and attempted to withdraw {$1000.00} cash. It was declined and I was sent a confirmation email the same day starting that it was declined due to exceeding my daily limit which is incorrect as I did have the funds in my account. 
I then filed a dispute with Wells Fargo and they told me that their investigation showed nothing mechanically wrong with their ATM machine. 
They decided not to return my {$1000.00} that they deducted from my bank account. 
I also told them about the email confirming that I did not receive the money and they kept my money regardless. 
This is a horrible way to treat a business customer and it it also unacceptable. 
Please help me resolve this matter ASAP!!!! and get my {$1000.00} back that I am rightfully owed. 
I would appreciate a prompt response in this matter of utmost importance. 
Thank you-

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 2020-02-07
Company: S&N Debt Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My husband got sick with XXXX and could not work so we had to use credit cards to buy groceries and his medication. We also had a water main break at the house and that was costly. When our bills became to much we reached out to a company called beyondfinance.com to consolidate our credit cards. All they did was collect our money of over {$3000.00} and have only sent a little over {$300.00} to one of our creditors. One creditor they ignored and the creditor was going to take us to court so we had to take out a loan to pay that creditor off. We told Beyond Finance to take the {$3000.00} and pay off the other two creditors and they refuse to do so. We have called 4 times. They said over {$1600.00} of the money belongs to Beyond for us being a client. We do not think they are going to settle any of our accounts that they are just collecting money for themselves. We ask for a refund and they said only thing they can refund is {$1000.00} of the {$3000.00} because the rest belongs to Beyond Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
Unauthorized hard inquiry ( fraud ) Occurred from XX/XX/XXXX through XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Please be advised that you are reporting incorrect personal information on my credit report. I need the following information updated as soon as possible. 

My only names are : XXXX XXXX My current address is : XXXX XXXX XXXX XXXX GA XXXX My current phone number is : ( XXXX ) XXXX My current Employer is : XXXX GA XXXX XXXX Please remove the following personal information from my credit report. My identity has been mistaken. 

Incorrect Name : XXXX XXXX Incorrect XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX, XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX Incorrect XXXX XXXX XXXX Ga XXXX XXXX, XXXX Georgia XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX Georgia 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 2023-08-15
Company: Block, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Had a yardsale, used CashApp to receive money for goods sold at said yardsale. Someone sent me {$70.00}. Before I could transfer money to my bank account, somehow, the money got refunded to person, not by me, and the person got half of my yardsale items for free. I tried contacting the person and requesting the amount again, twice, and no response. CashApp refuses to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
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:
In my complaint on XX/XX/XXXX about credit reporting, XXXX ACCOUNT XXXX XXXX XXXX replied letter on file shows the last payment date as XX/XX/XXXX. 
This means there was no more activity on this account as of XX/XX/XXXX, Equifax 's payment history shows paid on time for XX/XX/XXXX. 
The first 60 days late was reported XX/XX/XXXX. Where is the XXXX  days late payment? 

XXXX 's mentioned in the letter to reach out to the outside collection agency XXXX XXXX XXXX which shows XXXX 's has sold the account The Equifax report does not show this account sold. 
According to Equifax and XXXX reports, XXXX XXXX has been reporting ( CO ) for the last XXXX years. Equifax and XXXX are re-aging this account as they are reporting inaccurate information. 
XXXX is reporting in the letter balance is XXXX and Equifax is reporting the balance as XXXX The account opened in XX/XX/XXXX Equifax shows no data available from XX/XX/XXXX up to XX/XX/XXXX. 
ON Equifax report show activity designator closed, XXXX XXXX reported CO charged off XX/XX/XXXX, and XXXX XXXX is reporting on a closed account is a violation. 
There is no signed contract with XXXX XXXX XXXX XXXX complaints # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had establish auto pay for my credit cards at Bank of Amrica However, I noticed using XXXX  XXXX  that I was late on a credit card ending in XXXX and was charged late fees and interest. I signed into my account using their app and immediately paid the the total amount on that card. I then called their customer service and was told that the auto pay was cancelled due to no activity for several months. This action was never conveyed to me prior to this conversation. I never received notice a payment was due since I was on paperless statements and was not worried about payments since I had auto pay enforced. I then asked for the account to be closed since I felt cancelling auto pay without notice was an unfair consumer practice. Since, I was never notified about the cancellation, I asked that the late fees and interest be reversed. They replied, NO. When they closed my accounts they reported the credit reporting bureaus the closer as closed by credit grantor instead of closed by consumer As a result of their unfair action, my .credit score dropped from the low XXXX XXXX to around XXXX. 
I am a XXXX XXXX XXXX retired person rely on Banks to provide information prior to taking unfair action like cancelling auto pay.

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 monetary relief