BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: Block, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2023 I received a call from a person/persons claiming to represent CashApp and telling me in no uncertain terms that someone was trying to access my account and take numerous different amounts of cash from three locations. I have never had a problem with CashApp as far as my account being accessed fraudulently. So of course I listened to the ways I could prevent theses unknown people from taking my money. After about 10 minutes into the conversation while I was following instructions the agent/ or whomever asked me to transfer money from my other Account that was also connected to my Cashapp account, that's what made me think and I said to myself let me check my account and at that time my account was at XXXX. I was hacked and didn't realize it because of the trust I had in CashApp to keep my account secure. I reached out to cashapp filed the necessary complaints and followed their email instructions to file the complaint and they were quick to deny my request to pay my money back. I also reached out to my bank which is XXXX XXXX to file a complaint they would not allow me to file a complaint there response was they don't give money back that was taken from a Third Party bank such as CashApp.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Mr. Cooper Group Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I WAS NEVER LATE ON THIS ACCOUNT. I WAS IN A PANDEMIC RELIEF PLAN BUT THIS COMPANY MARKED ME 30 DAYS LATE FOR XX/XX/2021. I HAVE ATTACHED A SCREENSHOT OF THE PANDEMIC RELEIF PLAN DIRECTLY FROM THE COMPANY 'S WEBSITE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a fraudulent job offer that resulted in checks being sent to me and asked complete wire transfers. Now the bank saying that the wire transfers cant be recalled and I owe the money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 non-monetary relief
Consumer complaint received 2019-01-30
Company: WESTERN UNION COMPANY, THE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent XXXX XXXX to one very poor, deserving and aspiring young boy in XXXX for his school fees on XX/XX/XXXX. 
The transfer was put on hold because of some security checks. 
Fine. 
I was asked a copy of government issued ID-card. 
Along with receivers date of birth and current residence address. 
A colored copy of his government issued ID-card, date of birth and address, was posted to the given e-post address on the same very day. 
Since then I have sent them two reminding emails without getting any response at all. 
I have called their customer service twice. Both times, I got the same reply that they were waiting for the translation of the id-card. 
An id-card that constitutes not even 100 words and 6 lines in total. 
For last three weeks I have been running from pillar to post without getting anywhere. 
Please help that poor guy by getting this sorted out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a checking account with USAA Savings Bank. There were a number of fraudulent charges on my checking account. All of which were done at various gas stations. once I discovered the charges I disputed them and receive a credit on my account for the charges, the amounts were {$91.00}, {$87.00}, {$74.00}, {$72.00}, {$69.00}, {$62.00}, {$60.00}, {$57.00}, {$32.00} and a {$29.00} NSF fee. All of those charges were made at gas stations. The credit for those charges was received on XX/XX/XXXX. The take back occurred on XX/XX/XXXX in the amount of {$360.00}. I received no explanation of why this occurred nor did I receive any information on where the amount came from. and as of today XX/XX/XXXX I still have no explanation of this debit take back. I explained to the representative that my vehicle only holds 12 gallons of gas and I do not use premium fuel, there is no way that my car will hold that much fuel. My issue with the bank is that no one can explain to my why this money was taken and they just keep telling me to allow two days. I have called them 5 times at this point and there is no resolution yet. They also have not given any valid reason for them to be taking money from my account either.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: EQUIFAX, INC.
State: ID
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:
XXXX XXXX XXXX do not reflect their accurate status..Derogatory accusations must be XXXX XXXX Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-06
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a call from ( XXXX ) XXXX, I did n't answer but did call back. They stated they were Citi card and asked for my card number or social security number, I did not give them the information because I had a feeling it was a scam. I called Citi from the number on my card and they said that was not any of there phone numbers. I 'm reporting this because these people are probably stealing identities or money from unsuspecting customers of Citibank.

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 2023-11-01
Company: Experian Information Solutions Inc.
State: SC
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: Their investigation did not fix an error on your report

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2023-04-25
Company: Experian Information Solutions Inc.
State: CA
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 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 CAN NOT FURNISH A 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 2023-02-26
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX  TX XXXX XXXX Reference number XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX, XXXX account number XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. states I have a 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 2023-01-11
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received a call from the XXXX XXXX of PNC on XX/XX/2023 from XXXX XXXX XXXX stating PNC was closing my account and l would be receiving a check within a few days. On XX/XX/2023 l received an email stating that PNC wants more time and l don't understand what for? XXXX HAVE NOT RECEIVED ANY FORMAL STATEMENT FROM PNC, ONLY THAT THE PERSON WHO PLACED THE HOLD WAS ON VACATION WHICH TOOK A MONTH AGO. SINCE THAT I HAVE RECEIVE A NOTICE TO VACATE FROM MY LANDLORD AND I HAVE NO MONIES FOR FOOD AND BILLS. PNC BANK HAS NO RIGHT TO HOLD/DELAY RETURNING MY FUNDS. PNC HAS CONTINUED TO IGNORE MY REQUEST TO EXPLAIN WHAT HAPPENED AND OR WHO THE INDIVIDUAL RESPONSIBLE FOR PLACING THE HOLD OF THE ACCOUNTS NOT SURE IF YOU CAN ASSIST ME WITH FILING A CIVil COMPLAINT AGAINST PNC FOR DESCRIMINATION, BUT THIS MATTER HAS CAUSED A SEVERE FINANCIAL TOLL.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Experian Information Solutions Inc.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I call on XX/XX/XXXX and discussed over the phone why my XXXX Student Loans were removed. The customer service rep in conjunction with the Management team explained that it's an " internal company policy '' to remove Students Loans when they are " paid off ''. I explained to them that my XXXX   report is ONLY showing " Paid Off in Full '' due to XXXX. I also ask them to provide a letter stating what the " internal company policy '' is and they denied. Now, my Experian credit report in not only -77 points but also its not showing in my Experian Report History ( I had been paying my Student Loans since XX/XX/XXXX ) and this is affecting my credit report in many ways. 
Here is the report number with the notifications showing that my XXXX Student Loan has removed. 
Prepared for XXXX XXXX XXXX XXXX Personal & Confidential Date Generated XX/XX/XXXX Report Number 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 2023-11-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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. 

has violated my rights. Or a list of inquiries : 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 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 2023-01-11
Company: GUARANTEED RATE INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a XXXX XXXX plan in effect. I was told by Guaranteed Rate that if I completed XXXX XXXX package my mortgage would go back to good standing, but would be a XXXX year mortgage. I had to have my XXXX payment in by XX/XX/XXXX. I have proof of delivery that the payment was received on XX/XX/XXXX. I emailed XXXX who I was working with and she replied to me that she forwarded the information to Loss Mitigation. I sent in my XXXX payment which proof of delivery shows was received XX/XX/XXXX. This XXXX payment would complete trial package. I emailed proof of delivery to XXXX on XX/XX/XXXX. No one responded to me. I emailed again on XX/XX/XXXX. XXXX told me that XXXX XXXX says they did not cash the check until XX/XX/XXXX so they are telling me I brook the trial payment plan. This is a breech of contract. XXXX told me I could keep making the trial payment plan monthly until the research is completed and they will get back to me on XX/XX/XXXX. Meanwhile any payment I made through the trial modification plan has not been applied to my loan. My credit report also says I am in default of my loan. I filled out an XXXX  application, but XXXX says they are waiting for Guaranteed Rate 's response. I am being lied to and manipulated after I stood by a contract I signed, and they should too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$2100.00}

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 2023-06-09
Company: OneMain Finance Corporation
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:
In accordance with the Fair Credit Reporting Act, ONEMAIN XXXX Balance Owed : {$5600.00} has violated my rights under 15 USC1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604ASection 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under XXXX a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: CENTRAL BANCOMPANY, INC
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have unfortunately been a victim of identity theft and on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX My XXXX unemployment debit card which is issued by Central Trust Bank was compromised. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I filed a dispute with XXXX cardholder services. I also filed a police report on XX/XX/XXXX and I've filed a report with the Federal Trade Commission on XX/XX/XXXX. I've submitted all of the above including XXXX XXXX XXXX XXXX the police report and the FTC report as evidence along with the transaction dispute form provided by cardholder services. 
I've yet to be credited for any of the transactions that took place with my account starting on XX/XX/XXXX at XXXXXXXX XXXX with an electronic ( ACH ) funds transfer from card to bank account {$5000.00} personal savings ACH withdrawal. A total {$13000.00} had been taken in total. 
XX/XX/XXXX I was informed by an account specialist with XXXX cardholder services my account has been pre-determined from here on that that no error will be found to have occured what information I send them i this dispute has been investigated multiple times I don't see how these people aren't investigating and working with the other financial institution to where the ACH transfers were sent to it has the names of the individuals and the accounts where they sent my money to right there in the bank statements. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've asked for documents as to how they have concluded the investigation and all they send me is a bank statement.

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
Consumer complaint received 2021-12-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 did not authorize anyone employed by these companies namely -- XXXX XXXX XXXX to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights

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 2019-12-05
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation