BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-02
Company: Block, Inc.
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have an account with CASH APP. The phone number and the bank account associated with said account is no longer available to use to log into that account as I got a new number and new bank account. Cash app is refusing me to use my Government issued ID to prove who I am. All my information matches said account and where they sent my cash card. I also have social security card and tax returns also. I have XXXX dollars in said account that I worked hard for. Cash app website claims I can use that as a dorm of identification. Two mangers have refused to tell me why they aren't accepting what their company policy states. I really need this money to feed my kids. Any and all help is appreciated. I also have a list of others that Cash App is doing this to. This company needs to be investigated for a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX  Account # XXXX XXXX XXXX : XXXX XXXX Account info Account numberXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
Account numberXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
Account numberXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account numberXXXX XXXX  XXXX XXXX Account numbeXXXX Account statusClosed XX/XX/XXXX XXXX XXXX XXXX Account numberXXXX Account statusClosed XX/XX/XXXX XXXX XXXX XXXX  Account XXXX Account statusClosed XX/XX/XXXX XXXX XXXX  XXXX Account XXXX Account statusClosed XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Account XXXX XX/XX/XXXX, XXXX, has violated my rights.

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 an account without my written instructions

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 2019-01-09
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Credit reporting, credit repair services, 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:
Old debt is sold or reassigned to another agency at the end of the seven year statute of limitations period only to reappear on all of my credit  reports despite having disputed. There is no contract or acknowledgement of this supposed debt as it is not valid. It's cost me my job and now potentially future employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: PA
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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I have spoken to a representative on XXXX and a supervisor on XXXX. My mortgage is being raised XXXX which I don't understand since I have a surplus of XXXX in escrow. 
I asked if I can pay the increase to keep my payment the same. Mind you I'm paying an increase with a surplus in escrow. They told me no, that is not the way the ecrow department set it up. My mortgage was just sold to these people and in all other companies I had I was always given the opportunity to pay the shortage not to increase my monthly payment. This is the first company that my mortgage was raised and my escrow has a surplus. They don't want to hear it and keep telling me that, that is the way it is set up. I even asked her what is the sense to pay additional towards your escrow to avoid an increase when you don't acknowledge overages or surplus and raise the payment anyway because that is the way they have it set up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Shows a lot of inquires around 34 and my credit is low because of that and i cant purchase my house and also a TD BANK ACCOUNT IS THERE I NEVER OPEN

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 an alert from Transunion and XXXX credit bureaus that an account was potentially delinquent and when I went to research the alert it was for XXXX XXXX an account from a lender I know nothing about, never applied for, never heard of, and there was also an address on my report I was unaware of. After speaking with the credit bureau the address is associated with that account. My credit payment history is exceptional for several years and I deal with really bad XXXX  this has shot my XXXX  to the roof literally freaking out as Ive worked really hard to keep good credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
First- wait times are over XXXX hrs. no matter when you call. 

called at XXXX XXXX XXXX XXXX XXXX, was told ( automated ) that they were not available at this time. When they are open until XXXX XXXX XXXX according to their website, and recorded message. 

i am trying to get the expended loan repayment. i was told on XXXX separate occasions that they would place me in that program. i am now in the XXXX repayment, and the amount is too much for me. 

the company in NELNET. i did make my first payment this month, without getting it corrected, because I don't want to be in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Acct XXXX Claim XXXX Correct amount {$3200.00} Date XX/XX/XXXX XXXX XXXX XXXX  XXXX insurance been taking money out of my account.i don't know how many times I have to complaint about this situation and nothing been done about chime close my account find .but what about the money that's been taking out my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, 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:
my former XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX had access to our company records and he access these records and opened several accounts for credit for me and other co workers I have tried to alert several credit issuers bit I have not been successful in getting any assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Experian Information Solutions Inc.
State: NY
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 submitted four disputes to the reporting agency since XX/XX/2020 and three complaints with the CFPB regarding the investigation practices of the agency. I have requested " method of verification '', supporting documents, names, contact numbers, dates, and misc. information related to how their investigation was conducted. The agency has made numerous violations of my CRA rights, metro 2 compliance, and including denying that I am a customer during my 3-previous cfpb complaints I request that Experian be investigated for negligence, willful misconduct, and violation of CRA process and procedure.

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 2021-02-04
Company: Automated Collection Services, Inc.
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid {$73000.00} to XXXX through ACSI and this student loan payment ( and related wage garnishment ) should be complete. However, XXXX and ACSI has added arbitrary fees and charges throughout the course of my multiple complaints ( CFPB and Dept. of Education ). ACSI has misrepresented the amount and related charges only to profit by misleading information about my student loans. The amount of additional charges has not only doubled related the already paid {$73000.00}, but on XX/XX/XXXX ACSI sent a second order to garnish wages for an unknown new amount of {$16000.00}. ACSI has lost paperwork, misapplied payments, added surprise late fees and also ignored the delayed processing of payments from the original lender XXXX. The original Doc ID - XXXX payments were completed in XX/XX/XXXX with a final payment of {$920.00}. And then a year later, an unknown additional amount was filed with my employer with no supporting evidence. I believe ACSI is attempting fraud related to the new Doc ID - XXXX as I have already paid off my student loan. This is a new complaint that correlates to an older complaint XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX of this year I received a collection letter from XXXX XXXX XXXX XXXX and they provided the option to dispute the debt via email which I did. On XX/XX/XXXX I received 2 collection letters from Resurgant Capital. The first letter only mentions they will review my dispute on the second page and the second letter claims I must send the dispute in writing but in the initial collection letter it clearly says I can email which is what I did. I also requested not to be contacted and they sent 2 letters to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I use to owe XXXX XXXXXXXX XXXX credit card. XXXX sold my account to a credit collection agency. I called the collection agency and I paid the collection. So iXXXX is now paid in full. I tried disputing with all the credit agencies to take it off and or list it as paid in full in my credit report. It's still reporting negative and showing I owe when I paid it off. After disputing multiple times I called the collection agencies and they stated that when I dispute the account they contact XXXX  and XXXX reports negative information. I contact XXXX and they stated they can only report whatever they been reporting when the account went u to collection. They can't report I paid it. They said they do f have authority to report anything, the collection agency they sold it to has to report I paid the account. I contacted the credit agencies back and they stated when I dispute they don't contact the agency my account was sold to, they only contact XXXX because it's XXXX credit card. I uploaded and mailed all agencies copy of my receipt. There are still negative XXXX  remarks on my report and it's not stating " paid in full ''. I'm getting the run around and I submitted proof and disputed multiple times.

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 2023-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Capital One is refusing to consider an application for a credit card for an XXXX spouse with access to household income. They have repeatedly said over phone they will only accept proof of individual income for the applicant ( like an individual XXXX ), and that proof of household income ( jointly filed XXXX ) is insufficient. Capital One phone representatives further claim they don't even have a way to process applications, or submit an appeal to the underwriting team, without a form of documentation of individual income, which does not exist for an XXXX spouse. 

The card was applied for in early XX/XX/2023. On XX/XX/XXXX, Capital One requested documentation, and we sent our jointly filed XXXX. On XX/XX/XXXX, we called Capital One, and they said the application could not proceed for the reasons listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX. XX/XX/XXXX discover sent me an email stating they wanted me to verify my identity. I didnt see said email. This email came from XXXX. XX/XX/XXXX I contacted them because my card didn't work. They explained to me about the email. They agreed to send me a new link because while they were on the phonebi searched for the email and the link wouldn't work. I've had this card for 4 years now. I waited all day n never recieved the email so that night I called back. They now told me they couldn't send a new email because the 42 day window was up as of XXXX  the night before and my account was scheduled to be closed. I do not believe for a second the window is 42 days very random number n I randomly contacted them the next morning. I have never seen any paperwork that shows this number or in any recent emails do they explain this arbitrary number. They then said it wasn't closed yet but would be and there's nothing I could do even though I was in contact with them and attempting to resolve it. I explained this would hurt my credit and I would suffer financial hardship from this. They explained it would hurt my credit less if I closed the account voluntarily. This also was a red flag. I have no balance on the card n they accepted no less than 4 payments in the time frame of said 42 days. Then I was told I could write to their complaint dept and ask to reopen the account that at the time of them telling me hadn't actually been closed yet. But at this point there was nothing I could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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: Account information incorrect

Complaint:
I paid off XXXX in XX/XX/2023, its still on my credit report as open and a balance. I called an no response they said its the colllection agency I call collections agency and they said the reported to the credit bureaus already. Its a cat and mouse game. Please help

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 2020-01-16
Company: BANK OF THE WEST
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I made a deposit on the mobile app with some money orders. The deposit went through and I want online the next day to check my balance, only to find I couldn't log in to my account. This was both on the mobile app and the website. I called in to the 1-800 number and was told they can't give me any information about my account and I  need to go in branch. I was planning on doing most of my banking with the app and the ATM since the bank has limited hours, but I had some time in the middle of the day to go in-branch. 

At the branch I walked into, they said there was fraudulent activity on my account and they locked it for my safety. They said my balance was significantly lower than the amount I expected. I was then told that the branch I walked into wasn't my home branch and I needed to go to another branch ( that I had never been into ). This initial news had me worried. 

At the second branch, located in XXXX, Washington, I was given the runaround, no one could provide me any useful information and finally one employee was able to tell me that the fraudulent activity was the mobile deposits I made to the account. Since when is adding money to an account fraud? Bank of the West advertises all the time about their mobile deposits, adding insult to injury every time I see it.

I asked the bank if the money orders are valid and they said they're not sure. We had to call up XXXX XXXX to find out they are valid ( an idea I had ). Meanwhile, my money was in limbo during the holiday season and I was planning on using this money for some XXXX gifts. I then asked the bank how to deposit the money orders and the clerk was clueless, saying I need to clear the fraud ( which wasn't actually fraud ) on your account. Finally, I suggested depositing them into my XXXX  XXXX XXXX account ( a bank I was looking to switch from ) and she agreed. 

I then planned on closing my account due to my lack of satisfaction in this experience and the fact that nearly a month later I still couldn't access the website. Unfortunately I got a letter from Bank of the West yesterday saying we are closing your account and we don't have to provide you a reason. This is likely because of the complaint I filed on their website and the poor review I gave on their surveys. I don't understand how a bank can retaliate against their customers like this just for depositing a money order on their mobile app. I was looking forward to using their more convenient locations, but unfortunately this business has left me no other choice.

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 2022-02-06
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: Account information incorrect

Complaint:
I use to owe XXXX XXXX XXXX XXXX XXXX. XXXX sold my account to a credit collection agency. I called the collection agency and I paid the collection. So XXXX is now paid in full. I tried disputing with all the credit agencies to take it off and or list it as paid in full in my credit report. It's still reporting negative and showing I owe when I paid it off. After disputing multiple times I called the collection agencies and they stated that when I dispute the account they contact XXXX and XXXX reports negative information. I contact XXXXXXXX and they stated they can only report whatever they been reporting when the account went u to collection. They can't report I paid it. They said they do f have authority to report anything, the collection agency they sold it to has to report I paid the account. I contacted the credit agencies back and they stated when I dispute they don't contact the agency my account was sold to, they only contact XXXX because it's XXXX XXXX XXXX. I uploaded and mailed all agencies copy of my receipt. There are still negative r remarks on my report and it's not stating " paid in full ''. I'm getting the run around and I submitted proof and disputed multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers 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 2022-02-23
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have noticed my name on my report not recognized, inaccurate & incorrectly spelled this is how my name should be on my report that I only go by - XXXX XXXX XXXX any other names I have never been associated with I also have noticed addresses that are not recognized, never lived at, or associated with me XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX

Company response to consumer: Closed with explanation