BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
Company: Block, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I called cash app customer service on XX/XX/XXXX to help me with a deposit from my daughter of XXXX. The person on the phone went so fast and had me clicking here and clicking there and the next thing I knew i looked into my bank acct and noticed the cash app customer service guy did transactions of 2 both at XXXX each to bitcoin and some guy named mark. once I felt uncomfortable with what was going on with this phone call I disconnected the call. noticed the cash app guy made it look like i sent the money to my daughter and myself which i have no record or dont do bitcoin i immediately Called chase bank to inform of the scammed and fraud transactions and what happened. The guy tried calling back multiple times to " help me get my deposited money through cash app. after multiple calls from this guy I finally answered the call and told the guy that he has been reported and stop calling me he is a fraud and scammer and he should be ashamed of himself. He then texted me cursing at me and at the end of the text he confessed to taking my money. contacted cash app and they said because he sent my money to bitcoin that this was irreversible and they could not do anything about it. I have screen shots showing this guy tried multiple transaction through cash app and some failed but the he was successful in scamming my money. I thought I was calling cash app customer service not realizing this guy scammed me out of my money. I just want this guy to get caught and suffer consequences so no one else will get scammed. and get my hard earned money returned to me. 
contacted police, my bank and cash app no one will help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Mandarich Law Group, LLP
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was contacted at work by someone at Mandrick Law Firm about a credit card debt XX/XX/2023. They also did not send a letter of verification to verify the debt before filing a lawsuit when I asked for it. The charges state in the suit that the card was charged off and no debt owed yet they are trying to garnish my wages anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRUIST FINANCIAL CORPORATION
State: GA
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:
I am filling this complaint to TRUISTXXXX for allowing fraudulent inquiry on my credit report and for not taking corrective actions on the unauthorized inquiry. As I checked my recent credit report, the unauthorized hard inquiry is still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, the following accounts listed by the credit reporting agency have violated my rights and privacy. 

XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX -Account XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX 15 USC 1681 section 602a states that I the consumer have a right to privacy and confidentiality. Additionally 15 USC 1681 section 602a clearly states that credit reporting agencies shall not report any consumer information that I, the consumer has NOT given express written consent to publish or furnish information about any accounts on my consumer report. Furthermore, the credit reporting agencies continue to add incorrect personal information such as other Social security Numbers, Addresses, phone numbers, and names that are not associated to me, any accounts I own, and/or my consumer report.

Names not associated with me or any accounts I own. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security XXXX not associated with me : 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 2022-12-12
Company: EQUIFAX, INC.
State: AL
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:
It appears that my credit has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX 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 XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: LD Holdings Group, LLC
State: MS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
contacted Loandepot in XX/XX/XXXX and requested to pay my homeowners insurance myself rather than having to pay into an escrow account I received a letter from Loandepot authorizing me to do so. Since Mississippi is a homestead state where if you are XXXX years old or a XXXX veteran, I am both, you are exempted from paying real estate taxes. I refinanced the loan in XX/XX/XXXX and closed XX/XX/XXXX, with the first payment becoming due XX/XX/XXXX. My homeowner 's insurance became due XX/XX/XXXX, for 1 year until XX/XX/XXXX, I paid it XX/XX/XXXX, since the closing occurred XX/XX/XXXX, I was obligated to pay the insurance or run the risk of being unprotected until closing which occurred 28 days later on XX/XX/XXXX. Loandepot insisted that I pay the insurance with the monthly note into an escrow account when it was already paid for the year. In XXXX of XXXX, Loandepot began refusing payments and sending my mortgage payments back to me. They sent 3 payments back so I opened a fiduciary account and deposited the 3 returned payments and each payment to date into the account. In the meantime, Loandepot has destroyed my credit by reducing my credit score from XXXX to XXXX by reporting negative and untrue reports. Loandepot is aware that the payments are in a fiduciary account waiting for a resolution to this dispute. This dispute does not rise to Loandepot foreclosing on the property which they are about to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX XXXX XXXX XXXX collection of {$4500.00}. This is not nor was it ever my debt. This is not my account. 

XX/XX/XXXX XXXX XXXX XXXX XXXX collection of {$190.00}. Again, this is not or nor was it ever my account.

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 2021-10-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a regular consumer credit card with Citibank online a little over a week ago. Yesterday, I got a letter stating that there were still some items of verification that needed to be established before they could come to a decision. The letter provided me with the phone number I could call to enable them to do just that. Today, I called that number and was put on hold several times. Each time they had a question about me, my personal identity information, such as address, phone number, and such, I was easily able to provide it. But, none of my answers seemed to be enough, so I asked to talk to a supervisor. Then, I was cut off, and I called back. Again, I was unable to resolve the situation talking to the agent and I asked again to talk to their supervisor. It seems that the whole problem centers around the fact that I moved addresses a couple of months ago and had to get a new primary phone number. Although I explained all that and told them what my old number was, the supervisor at Citibank, who identified herself as XXXX in South Dakota, stated that she was unable to approve my application, but would not be specific as to why. I am who I am and was able and willing to answer any and all questions they had, and my credit rating is in the 800s, yet I was declined! And, XXXX refused to provide me with any specific reasons as to why.

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 2023-12-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-09-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
0 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-06-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I initiated a $ XXXX online transfer from my Citizens account requesting they debit my XXXX account On XX/XX/XXXX, the funds were debited from my XXXX account. 
On XX/XX/XXXX, I received an email from Citizens stating my transaction was canceled and that I should call XXXX to have them return my funds. 

On XX/XX/XXXX, I called XXXX but they had no record of why the transaction was canceled and couldn't do anything. I then called Citizens bank on four different occasions to try and resolve the issue. Each time, I got different answers and nobody could explain to me why the transaction was originally canceled. Some of the reasons given were because I had canceled a previous transfer, the transaction was rejected, and I couldn't initiate two transfers on the same day. I was informed there was a hold on my account and since I had called in, they would lift it and the money would be in my account in next 2-3 business days and no later than Tuesday, XX/XX/XXXX. Because of the delay, I had to have a manager called XXXX initiate a separate wire transfer of $ XXXX because I needed the funds by Friday. I spend over 4 hours that day, making multiple calls, being left on hold for over an hour twice in trying to resolve the matter. 

On XX/XX/XXXX, I checked my XXXX account and the funds were still not in the account. I called Citizens bank, after being on hold for over an hour, and spoke to a Tech support manager named XXXX. He stated that XXXX had to file a Debit leg error claim in order for me to receive my funds. He stated that the bank that initiated the debit, is responsible to file the claim in order to get my money back into my XXXX account. He stated that the funds were being held by XXXX due to a change in processing funds dating back to XX/XX/XXXX and that it was not Citizens fault that the transaction was canceled. He blamed the issue of XXXX, their third-party vendor. This was the first I heard of this and the process doesn't seem right. I initiated a three-way call between XXXX at Citizens and XXXX at XXXX to resolve the issue. XXXX stated that the debit leg claim that XXXX requested be filed can not be processed because the transaction was not fraudulent or an error on XXXX 's part. Also, XXXX had never heard of a debit leg claim. XXXX had stated he would talk to back office operations and call me back, which he never did. 

I am beyond frustrated because it's been over a week since the funds left my account at XXXX and due to an error on Citizens part, they refuse to return the funds, claiming its XXXX 's responsibility. At this point, I am out $ XXXX with my funds floating around in cyberspace and Citizens taking no responsibility for their error, which started with them canceling my transaction without notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: CAVALRY INVESTMENTS, 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: Information belongs to someone else

Complaint:
I have a fraudulent account on my credit report, which I reported it to XXXX XXXX and CAVALRY PORTFOLIO SERVICE, yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX  CAVALRY PORTFOLIO SERV / XXXX Balance {$3600.00} and CAVALRY PORTFOLIO SERV XXXX - Balance {$3700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: IL
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 open these accounts and I strongly suspect that they are fraudulent.

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 2023-06-27
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I possessed a Financial loan from Wells Fargo auto from XXXX until XX/XX/XXXX when they unfairly repossessed me. They were recently sued for unfairly repossessing. Throughout the course of the loan I tried more than 10 times to change my payment arrangement date. Every single time I would sign the paperwork and mail it back in they would lose it. This is exactly why they were sued. I attempted to make a change to my payment date almost every month and they would never allow me to do so even though I followed the parameters of Wells Fargo 's forms and time frame. I am exactly entitled to the settlement of their recent lawsuit being sued for this exact reason. They're making it worse while trying to call them currently XX/XX/XXXX. They're trying to fight me tooth and now rather than pay what they owe for treating me wrong as a client and unfairly repossessing me while never letting me change the payment date for the entire term of the loan from XXXX until XXXX I requested a payment arrangement due date change almost every month and they did nothing. Exact terms of being sued. And then as I call them I meet with resistance with their specialty Department stating that I'm being written emails on their secured website Wells Fargo auto. A multitude of times I've attempted to create an account and am continuously denied the ability to start the account when I called Wells Fargo customer service I was told I'm not allowed to have an account because my car was repossessed. So why are they writing the emails that I'll Never See and their company knows that they're responding on their own website that I don't have access to and they will not gain me access? I am entitled to unfairly repossession settlement funds. And I hope that your company can help me resolve this. My car should have never been repossessed because the month that I was repossessed was like every single other month that they were unfairly tacked on late fees because I get paid twice a month working in XXXX and have tried to change my payment arrangement due date since the start of the loan in XXXX. Wells Fargo has practiced unethical business practices losing my forms and repossessing my vehicle and it's no wonder they were sued.

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 2023-06-27
Company: Absolute Resolutions Corp.
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: Information belongs to someone else

Complaint:
I have a fraudulent account on my credit report, which I reported it to ABSOLUTE RESOLUTIONS and XXXX XXXX XXXX, yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : ABSOLUTE RESOLUTIONS/ XXXX, XXXX XXXX XXXX / XXXX Balance {$3600.00} and XXXX XXXX XXXX XXXX - Balance {$3700.00}.

Company response to consumer: Closed with explanation