BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-04
Company: Recovery One, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom It May Concern, The reason for my dispute is RECOVERY ONE LLC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, DEBT RECOVERY ONE LLC failed to give me my " XXXX-XXXX  '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) RECOVERY ONE LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation RECOVERY ONE LLC is held  liable as well for defamation and in the state of NORTH CAROLINA indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where RECOVERY ONE LLC is in compliance with NORTH CAROLINA LAW. I also have reported this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report. RECOVERY ONE LLC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My payment was due on XXXX. It had been mailed a week in advance. On XXXX Wells Fargo emailed me and said a payment had not been received as of the due date. I assumed my payment was lost in the mail, so I immediately did a bank transfer. The next day the Wells Fargo web site shows my original payment had been credited on XXXX, the day before the email had been sent. My second payment was credited the day it was sent on XXXX. Now Wells Fargo is telling me it will be returned in 11 business days. 1 ) Why was the email ever sent on the fifth if payment was received and credited on the 4th? I am not their only customer, so how many others did what I did? 2 ) Why does it take 11 business days for Wells Fargo to return an erroneously solicited second payment when it takes me less than two minutes? This is ridiculous. The program could easily and simply check to see if a payment has been made just before an email is sent, not the day before, and Wells Fargo can certainly schedule a just refund as quickly as I can. Wells Fargo still has not learned anything about customer value.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX I tried to recover my credit report. I was told I could not have access to it because I had no address on my credit so I needed to identify myself so I sent in my drivers license, social security card, and a bank statement via upload. Had no response. I began to repay my credit in hopes of purchasing my first home in XXXX XXXX Experian said I needed to resend the documents to identify myself again. I sent it via mail overnight with tracking so I could know when it was delivered. I waited the 3 days until I called again they said it was being worked on. XXXX XXXX I called to check my status and they said they never received my documents and by that time my mortgage company tried to pull it 3 time with no success. They said they couldnt give them access because my account was still missing address. My tracking on the letter said it was delivered on XXXX XXXX. I called back on XXXX XXXX and they said they didnt see my documents and I was basically at the mercy of Experian as to whenever they decide to upload my documents. I explained that I have been trying to access it for a year at this point sending 4 sets of document to Experian and nothing was ever added to my credit report. I am still waiting for my report to be released so the mortgage company can gain access to my report before I close on a home. If my mortgage company is unable to pull my report I will not be able to purchase a home. I am an XXXX American woman that has done all the things I need to do to improve my credit and identify myself. I have no other options at this time. I will loose the opportunity to buy my first home unless my credit report is corrected and released to the mortgage company and myself.

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 2023-02-09
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Monday, XX/XX/XXXX, a company named XXXX XXXX XXXX XXXX, took out {$80.00} from my cash app account. I immediately alerted Cash App but as expected they could care less about consumers and cater to the fraud/ scammers and thieves. After searching this XXXX XXXX business I come across their information on the XXXX ( not accredited ) and I was able to get a contact email. 

I emailed asking them to refund the money they fraudulently stole from me immediately. The customer service person responded and provided me with some information as to an insurance policy. They were trying to use deception by accessing my personal insurance as well as manipulate the documents. It was so obvious I really did not have to run the documents provided to see the original documents but I did anyways : my hopes were to prove to cash app that this company is a scammer and has access to my identity. Moreover, forging my signature on documents as if I were to coward down and allow them to get away with it : However, cash app didnt respond and after I called XXXX XXXX  out on, a forged document, identity theft and stealing money from my account, the responses I got was, we understand your confusion and to make it right we will send you a check via mail with your address we have on file Ive been dealing with identity theft, fraud and just about everything that comes with the storm since XXXX. Non stop, letters, denials, attorneys, trauma and the list goes on. I really just want to be left alone so I may finally heal and find/ build my own personal identity for once. 

It never ends, and I am wondering is this living even worth it anymore? Creditors dont believe me, reporting agencies could care less, third party reporting companies are just as worthless with so much information that is not me. No one listens.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX I received an email from Chime Bank saying that my account had been in review and that i should review the Chime Deposit Account Agreement. i read it but i was never told of what i had done wrong just that my account was closed. I emailed Chime about my social security XXXX check that was coming direct deposit. It has come direct deposit since i opened my account in XXXX with Chime Bank. They emailed me back stating that i had no refund coming. My XXXX check was there so i called social security 's XXXX location to ask if they could hold my entire check and keep it. Thats when I was told my check was indeed deposited into Chime Bank but it wasnt on XX/XX/XXXX it was on XX/XX/XXXX. Why was my check deposited to a closed account? Why didnt the bank return it to SSI cause my account was closed? Chime has never answered that question so i proceeded to email chime daily to try to change thier mind to keep my change of about XXXX dollars. ive told them i read the disclosure but i dont understand what i did wrong? my XXXX check has come direct deposit the same way everytime as far as I know. the emails i got became very frustrating. everyone were signed by a different staff member and every one gave me a diiferent thing to send them in hopes of them releasing my refund. i asked several times could someone please call me. i was told someone would be finishing up and would be following up with me. that never happened. i feel like every person was trying to help and they read what i emailed but they thought they could fix things for me when they couldnt not one of my emails came from the same team member. it was very concerning that perhaps it was a mean game. im XXXX in not a fun way. i have XXXX and XXXX bad. im XXXX and have a very hard time understanding what people think is simple. my account is a debit account only no checks with a Chime account so i didnt have much to pay. i asked for an itemized list of charges that they are charging me for closing my checking and savings accounts. i get nothing no explanation. As of XX/XX/XXXX my account remains closed and took away my access to look at my account thru the chime app. They also blocked my phone so i can only ask about being a new customer. XX/XX/XXXX Chime took my XXXX check an told me im not getting any refund. Thats my only source of income so I dont get to pay my bills or eat anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/XXXX I sent a dispute letter to XXXX, XXXX, and Equifax regarding the collection account : XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) I them to verify this account. Please remove this account. They did not send me proof of verification of this account. On XX/XX/XXXX I sent a dispute letter to XXXX, XXXX, and Equifax regarding this account : XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX  ). I have doubts this is correct. Please remove this account. On XX/XX/XXXX I sent a dispute letter to XXXX, XXXX, and Equifax regarding account : XXXX XXXX ( Original creditor : XXXX XXXX XXXX ). Stating that this information is inaccurate, please remove it! On XX/XX/XXXX I sent a letter to the furnisher to verify that account belongs to me. This account is erroneous. This account is reporting inaccurately on all three credit bureaus. On Equifax this account is reporting the date opened as XX/XX/XXXX with a balance of {$2300.00}. on XXXX this account is reporting date opened as XX/XX/XXXX with a balance of {$2300.00}. On XXXX this account is reporting date open as XX/XX/XXXX. With a balance of {$2300.00}. I want verification that I owe that balance and a break down of the amounts owed. This account is reporting different dates opened and different balances owed. This account is erroneous, I would like it deleted from my credit reports please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: Chime Financial Inc
State: CA
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: Overcharged for something you did purchase with the card

Complaint:
Chime bank card falsifies your bank statements and fraudulently tweaks account balance, stealing your monies inconspicuously

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
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 six credit card that are included in bankruptcy, but they are not mine except one. Let me explain. I never knew what a credit card was or about credit scores. When I saw a credit card commercial I ran my debt card as credit to see if it would go through, so it did and so I thought a debit card was also a credit card. so after that I never paid attention again until I started getting calls every day from people saying I owed money, so I thought that one store card I got was cheating me saying I never paid. So after a month of constant calls I stopped paying that store card because I thought they were messing with me. A week later of constant calls I asked my dad who are theses people and he told me debit collectors. So my dad told me the only thing to do was file for bankruptcy and told me it would stop the creditors from calling and that wouldnt have to pay the {$20000.00}. If I wouldve known about the credit bureaus and would have known that you could file for a fraud investigation, then I wouldve chosen that also because I didnt know a bankruptcy could hurt you really bad. After the bankruptcy I started to learn about credit and how it works and came across this guy on XXXX talking about the FCRA and how to get stuff removed. So now Im trying to get them removed because Im XXXX and Im still living with my parents because of the bankruptcy. Ive sent three rounds of letters to the credit bureaus to verify if it was me with a signed consumer contract by the FCRA section 609 ( a ) ( 1 ) ( A ) and they keep saying it verified, but have no documentation. Ive also sent them a letter from capital one saying that the account was not included in the bankruptcy and they still didnt delete and remove the account. So please Im asking for help so that I can get my own place and have a stress less life. 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 2023-10-26
Company: Experian Information Solutions Inc.
State: MN
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:
The following credit card accounts currently listed on my Experian and XXXX credit report was opened by the following banks without my consent or authorization : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX 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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 XXXX XXXX XXXX doesn't belong to me I don't live in nj I want it removed from my credit report immediately I live in Delaware driver license number is XXXXthat account was open fraudulent it's not mine

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 2022-10-12
Company: Experian Information Solutions Inc.
State: GA
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

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 2023-10-29
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:
XXXX is obligated by the Fcra to report accurate accting consumer has advised, all the inquiers reported was fraud, said has 4 days according to LAW to remove such items FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX  to provide documention used to determine inquiry was indeed authorize by the consumer, XXXX  has15 days to provide me with the name if the person spoken to, documention used, signed application with consumer wet ink signature.consumer is not asking foran e-oscar report.if XXXX does not have documentation to show these were in fact authorized it must be removed asao.Said company is liable under the sec to follow certain rules.I will be filing form 211 treasury omb forms to audit consumers account.XXXX is securitizing consumers data yet refuse to provide a copy of theit CONSUMER FILE NOT CONSUMER REPORT

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 2020-12-31
Company: BARCLAYS BANK DELAWARE
State: MA
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: Was not notified of investigation status or results

Complaint:
****SEE ATTACHMENT PLEASE***** Dear CRA Manager ; Happy New Years! Im little shocked on your method of investigation actually I dont even understand your method of investigation. Ive disputed this account several times due to several inconsistencies, errors, incomplete and misleading information on the way its reporting, but for some reason it always comes back as VERIFIED. Its impossible that your agency performed a truthful investigation into this XXXX CC Account because it continues to report those misleading information highlighted below. For example, XXXX actually removed it due to those violations, but you continue to reported XXXX different dates of last active ; last payment, different date last reported, and high balance should be higher than the actual balance, etc. Its impossible that you can say that this is reporting accurate! Look at the report, and even the balance is questionable.

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 2020-12-31
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Tried to consolidate loan with company and they closed my account anyways and send it to collection. I kept getting repeated phone calls and letters from company trying to collect debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Block, Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Filed taxes on XXXX XXXX IRS sent Verify Identity letter XXXX, XXXX Finally able to get someone on phone to verify XX/XX/2022 When I verifief my identity I explained I have been a victim of identity theft and that I needed to change my information because i no longer had access to the account that my refund was being sent to. 
They let me change from a chaecking account to mailing me a paper check however when i went on the online portal to check the status of my refund it said it was going to be credited to my account on XXXX XXXX. 
I already told them I could no longer access that account but they sent it to that routing and account number. 
I have contacted Cashapp where it was sent to, uploaded all the documents they have asked for, started an investigation on my missing tax refund, spent 15 plus hours on the phone with cash app, just to be told over and over again that i needed to wait 3-5 more days to start an investigation, then that i needed to wait for them to respond to me only by email and have to wait day after day to be updated, just to be told every single time that im not verifying myself and that they cant help me with my claim. 
I have the account and routing number that the money was sent to. Even though i asked cash app to close that account, they did not. i have given them everything they have asked for and explained to them with the XXXX XXXX XXXX that i have and the identtity theft over the last two years that they are not trying to help me at all and using my XXXX to withhold and keep my money from me. i have been callin cash app since the XXXX of XXXX and here it is almost a month later ( in ( in 9 days ) that i havent been able to get any resolution on. The law states that they have to make my money available within 10 days of me starting an investigation and no matter how many times i tell them that and give them all the info they ask for I have nothing, no way to accdess my money, and now am living in my car because cashapp wont let me access the account that was supposed to closed, and becfause the irs did not do what i asked them to do when i verified my identity. I need some help Acct # XXXX Routing # XXXX Thank you

Company response to consumer: Closed with explanation