BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX my CASH APP Visa Debit card was charged {$170.00} to XXXX XXXX. I had not authorized this purchase. XXXX was in another city and a hotel I had never heard existed. I immediately contacted CASH APP to have my card canceled. In the interim, I contacted XXXX and told them the situation. They claimed that the reservation was made via their mobile application. They also stated that XXXX XXXX XXXX checked in via the mobile application. Their process of checking in does not require a valid ID to present at their front desk. Instead, a XXXX XXXX app was used to check in and unlock the door. All this was to my surprise as I have never signed up for this service and held no profile. CASH APP then told me I would have to wait 45 days for the merchant to close out this claim. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I had contacted CASH APP support and was told that they were elevating the situation to a specialized team and I would hear back in 24-48 hours. This was all done on the CASH APP application on my cell phone for the XXXX you call stated that their advocates were not available to take any calls for they are busy with taking other calls. Great logic. I was always given the same copy/paste message from CASH APP support except for today, where I was informed that my case was closed in my favor and that the provisional credit was permanent. I would guess this response came from the fact that I had used XXXX to publicly state that they have been ignoring me for months. In today 's response, CASH APP states that {$170.00} was credited to my account on XX/XX/XXXX, but under complete disguise as " Unlike refunds, provisional credit does not appear in your Activity Tab or prompt notifications. ". They also went ahead and gave some made-up scenario that when they deposited the money, i had XXXX balance. My CASH APP statement for XXXX started with {$22.00} and ended in {$0.00} and with all the transactions on my statement, it's a fact that there was no additional {$170.00}. The fact that they told me that they ruled in my favor and lied about paying me is borderline criminal. I would have accepted if they stated I lost the appeal. Their unprofessional business practices should not go unnoticed. Just as I am held responsible for my actions, why can't CASH APP?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Fay Servicing, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Our loan is with Fay servicing. We were making XXXX payments ( and still are ) per month XXXX XXXX XXXX to loan, XXXX to principal. Fay was holding checks until complete payment was made, and then this caused us to show " late ''. In addition out bank account was hacked and we had to replace XXXX returned payments. I sent the information from our bank to Fay and they were to drop the late charges on this issue. 
As to the XXXX late payments, I have sent letters, emails, and spoke with multiple customer service reps on the issue. All have stated that the issue would be resolved in our favor. This has gone on for over XXXX  months ... .HELP. A copy of the most current email is enclosed. 
The actions, ( or in some case inactions ) has caused damage to our XXXX XXXX and ability to refinance our loan. 

Thank you, XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: United Collection Bureau, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They use a number that spoofs someone from my state. It shows up as spam risk and I have told them to stop calling me. They are now harassing me. The most recent was XXXX at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
In XX/XX/2022, I requested online to stop an auto pay to XXXX XXXX. A week after, I received a confirmation letter that a cancellation of auto pay has been processed. 

But on XX/XX/2022, upon review of my monthly statement, there was a withdrawal of {$150.00} in my account with ACH auto pay reference number. I called Citibank customer service at around XXXX XXXX, XX/XX/XXXX. I was transferred to another representative, who run a series of questions. According to this Citibank XXXX representative XXXX  has to process this reversal just by answering " yes '' or " no ''. 

I was actually surprised by this procedure because the last time I cancelled auto pay, all I need to do is go online and cancel the Merchant 's name. 

The last question, was " did you contact the merchant? '' My answer was no because I already informed of Citibank of the auto pay cancellation prior to being charge by the XXXX by at least a month before the charges. The Citibank customer service told me that the reversal was not approved because I have not contacted the XXXX. 

After this incident, I notified the merchant that I am cancelling the payment and their service ( XXXX  XXXX ). 

I think, since I requested a cancellation online and it was confirmed by a letter, the charges should be reversed. Citibank should reverse the charges.

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 2019-03-06
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The week of XXXX XXXX, XXXX XXXX  obtained my credit report unbeknownst to myself and made a redetermination on my credit worthiness, which resulted in a reduction of my credit limits on both my XXXX and XXXX XXXX credit cards, one by {$100.00} and the other by {$50.00}. Both cards have had consistent on time payments for one year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: TransferWise Ltd
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
This is related to a virtual currency service over the internet by a company called XXXX. 
I made a transaction through them using my credit card. Instead of taking the money out as any other credit transaction ( as done by similar other service like XXXX ), they took the money from the credit card as a cash advance. They did not provide me with any information that they will do so. As a cash advance, it triggered interest on all of my credit card transactions from that day ( i.e., before I could spot the problem and paid of all balance ). It also imposed cash advance fee and transaction fee by the credit card. The original transaction was {$260.00}. I paid more than {$50.00} on fees already. It seems this can be a scam by XXXX  perhaps in cahoots with credit card cos. on unsuspecting customers. I have never kept any balance on my credit card because I am aware of the punitive interest rates. But in this way, the credit card company can impose interest from day 1 before I am even aware that a third party took out cash adavnce instead of a credit transaction. While I am still dealing with this problem with the credit card XXXX and XXXX and, hopefully, get it resolved, I think for many other regular customers will end up falling for this unfair practice ( or, perhaps, a scam ). That is why I am reporting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: FL
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:
According to XXXX, I must have an at least 6 months of good standing with a credit provider ( credit card ) and one open account in order to generate a credit score. I've had a XXXX XXXX open and in good standing for over 30 years -- since 1991. I have had credit scores above XXXX in the past and have always paid my bills on time. In XXXX I applied for a new mortgage and was denied twice due to the lack of a credit score. This shocked me, so I looked into it and was bounced around between XXXX, XXXX, and MyXXXX  with none of them providing a good excuse as to why I don't have a score. They speculate that its because I don't have more than one open account, but that is only speculation and not the criteria. They speculate that it is because I haven't carried a balance on my account for 6 month, but this too is speculation because carrying a balance is not a requirement..just having an open account in good standing for six months is the requirement. My lack of a credit score is having SEVERE financial impacts on the life of my family due to being unable to refinance our house at the current low rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX account is reported by collection agency without allow me to dispute it following FTC guideline for 60 days statutory period allow by law under Federal Truth In Billing and credit Reporting Act.

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 2022-03-12
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against TRANSWORLD SYSTEMS, INC for committing identity theft. I have never given TRANSWORLD SYSTEMS, INC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from TRANSWORLD SYSTEMS , INC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If TRANSWORLD SYSTEMS, INC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until TRANSWORLD SYSTEMS, INC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and TRANSWORLD SYSTEMS , INC continues its collection efforts, I will file for litigation for actual damages caused and TRANSWORLD SYSTEMS, INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Basically, I think back in XXXX or XXXX I had an account at XXXX XXXX  XXXX and I was involved in a scam fraud case. Some XXXX XXXX American male sent me a direct message on XXXX and he wanted me to send him my banking account info. I said yes foolishly not knowing the consequences of my actions. And he proceeded to take money out of my account. 

After that I was told by my best friend 's mother to call the police and I did so after further looking into my XXXX XXXX  XXXX online account in the banking app. So after that, I called the authorities. Then, amid my bewilderment, lo and behold the police said that indeed the young man was attempting to use fraud against me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Then after I reported the fraud case to proper authorities, they let me know to follow up with any leans in the case. 

An officer visited my household and handed me a card with all his information on it. 

I accidentally misplaced the card. 

Haven't been in touch since.

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 2022-02-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX, Wells Fargo opened a checking account in my name. I received email that notified me of the new account, and that additional information would be required to make it active for use, then I received an email confirming it was officially open and ready to use. The account was opened using my SSN, fraudulently, online. 

The account has been closed, and no financial transactions took place because I alerted Wells Fargo the same day I received the email that I had not opened the account. WF referred for fraud investigation internally, and found that it was fraudulently opened and do not " hold me responsible ''.

My complaint is that WF opened this account without a proper identity verification and that they will not provide me, the victim, how identity was verified ( both mechanism used and ID shown to them ) what other information was used that is my personal information.

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 2022-03-12
Company: Spring Oaks Capital, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against SPRING OAKS CAPITAL , LLC for committing identity theft. I have never given SPRING OAKS CAPITAL, LLCany permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from SPRING OAKS CAPITAL , LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If SPRING OAKS CAPITAL , LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until SPRING OAKS CAPITAL , LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and SPRING OAKS CAPITAL , LLC continues its collection efforts, I will file for litigation for actual damages caused and SPRING OAKS CAPITAL , LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I received a letter from Chase Card Services making me an offer to settle my credit card debt for my credit card number XXXX. The letter stated that the settlement amount was {$5900.00}. The letter stated that if I make the full payment of {$5900.00} prior to the date of XX/XX/XXXX, Chase Card Services would cancel the remaining balance and I would owe them " nothing further on the account. 

I sent the full payment of {$5900.00} by XXXX XXXX  to the address listed in the settlement offer letter and it was received by Chase on XX/XX/XXXX well in advance of the XX/XX/XXXX deadline. However, since that time I have never received any acknowldegment from Chase Card Services that they received my check and as of todays date of XX/XX/XXXX, my check has not yet been cashed. 

Until Chase Card Services honors their part of the settlement agreement by cashing the check and reporting to the credit bureaus that the debt has been settled, an overdue balance of {$29000.00} is still appearing on my credit report causing a significant negative impact credit rating. I am requesting that Chase Card Services honor their part of the settlement agreement by cashing the check I sent them and reporting the payment to the credit bureaus so my credit report will reflect the payment with no further balance on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
This is the second time I have reported this. 

I bank with JP Morgan Chase. 
On two occasions I have had items returned that I was not notified about via my online banking. 
I was not charged a fee, but I was also not notified items had been returned. One of those items was a utility/water bill. 
It is over 100 degrees in AZ and having water disconnected without my knowledge IS A HEALTH and SAFETY ISSUE not only for myself and my family but my animals as well. 

The only way I knew my payment had been returned was because the water company came to my home. I had no idea the payment had been returned. However, after the Water Company came to my home I received an email from the third party payment company the water company uses that the item was returned. 

I have reviewed Chase 's terms and agreements and no where does it say a customer is NOT to be notified by the bank when items are returned. 
When I contacted Chase they told me I should keep better track of my ledger. ( XXXX? ) I do keep a ledger, which is how I noticed the payment never came through my account via online banking account transactions. 

Again, Chase did not charge me an NSF fee, however, they never notified me the payment was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Exeter Finance Corp.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company was fully paid by XX/XX/2016 yet fraudulently added interest charges to my account which were not proven to be owed. They now report my account as a charge off every month when they received full pay off value for my car

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Experian Information Solutions Inc.
State: MO
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:
I am notifying you that I mailed Experian, XXXX, and XXXX a dispute letter about their inaccuracies and incorrect information. There was 2 ( XXXX XXXX  XXXX XXXX XXXX ) accounts that I notified them about because I found too many errors and inaccuracies. I mailed the letters out on XX/XX/2021. XXXX, Experian, and XXXX has not responded to my dispute letters and its been over 30 plus days and that's a violation. They have not issued a notice of dispute on neither of the 2 accounts.

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 2021-05-11
Company: EQUIFAX, INC.
State: MO
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:
I am notifying you that I mailed XXXX, XXXX, and Equifax a dispute letter about their inaccuracies and incorrect information. There was XXXX ( XXXX XXXX XXXX XXXX XXXX ) accounts that I notified them about because I found too many errors and inaccuracies. I mailed the letters out on XX/XX/2021. XXXX, XXXX, and Equifax has not responded to my dispute letters and its been over XXXX plus days and that's a violation. They have not issued a notice of dispute on neither of the XXXX accounts.

Company response to consumer: Closed with explanation