BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
Company: Block, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
XX/XX/22 received a CASHAPP XXXX in the mail unsolicited. This is my XXXX one. I have reached out to CASHAPP the other times and they continue to come. I have gotten no where with my previous calls. I asked to speak to a XXXX, and they said they have no control over this, and can not talk to me since I do not have an account. I disagree. CASHAPP/Block sends it to my address, with my name on it. Need to have better oversight. 
I have not activated the cards, and have at least 3 reports to the FTC, and credit warnings activate with credit bureaus. 
Someone tried applying for unemployment benefits over a year ago and I rejected it, since I did not need them. Been working at same company for almost 38 years. 
XXXX  send me cards, and I reported them. 
Someone tried opening accounts from XXXX and XXXX XXXX. Both companies were contacted. I never applied to any of these companies or did business with them ( except XXXX for a couple months when they took over an investment account from XXXX XXXX over 15 years ago ). I did not get anything else from them after reporting. But CASHAPP continues to be a sucker to the scumbags out there trying to take the criminal way out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The collection agency XXXX XXXXXXXX XXXX has agreed I do not owe this debt. They also stated they notified the credit reporting agencies. I need this to be removed from my profile ASAP. I've been saying for the last year that I did not owe this company anything. Also I received a letter from the company stating they were reporting unverified information. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO 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 2019-01-02
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have received certified mail regarding the status of our loan, According to the letter we are in default and must cure this by the XXXX of XXXX. We have called frequently and communicated our loan difficulties, especially after Disaster Harvey in XX/XX/2017. Our loan is now 5 months behind. This amount will not be cured by XX/XX/XXXX and we would like to know what our options are. We are ONLY interested in keeping our home and are doing what we can to cure this. Unfortunately, this remains a slow process but we are seeking remedies, including local, federal, state and legal assistance. This can not include any financial assistance because I am a federal civilian/military employee and must exercise benefits and rights under this position. We have called only to be told we have already utilized the only option available to us. A modification was already completed and we still await an answer to the tax portions of our loan. In the meantime, we intend to address this default.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Problem getting your free annual credit report

Complaint:
from : XXXX XXXX XXXX The XXXX website is not currently available at your location. Visit www.consumer.ftc.gov/articles/0155-free-credit-reports or www.consumerfinance.gov/learnmore/ to learn how you  can request your free U.S. credit report by mail. 

I am a USA citizen. Why can't I see my credit report on line?

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 2021-11-30
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
NOT A DUPLICATE COMPLAINT - PREVIOUS COMPLAINT WITHDRAWN My account was closed by chime for " violation of their terms by my deposits '' and they closed my account according to section ( I ) C 9 of our deposit agreement which basically states they can close the account at any time for any reason on XX/XX/XXXX I did not do anything to violate any of their terms of service and my account should not have been closed. However, Upon closure of the account, i had a balance remaining of {$770.00} Over a year later I still have yet to receive these funds They originally told me i would get a check in the mail within 30 days and after that did not happen i started contacting them I have contacted the bank on multiple occasions 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 The bank has stated that they are NOT returning my funds I have repeatedly asked if this was a levy as I was able to get my statements from them it stated this as the line item XX/XX/XXXX XXXX XXXX XXXX  XXXX '... Adjustment- {$770.00} - {$770.00} They have declined it was a levy but rather I have just violated their terms and for security reasons they can not give me any more information I have also called on multiple occasions, having to call from a different number as their automated system hangs up on you. They say the same thing that i will not get a refund and to follow up via email. Update : Upon receiving an email from chime today they have stated the line item is from XXXX XXXXXXXX XXXX however there is one major problem, I have never even heard of this bank until today, never done any business and upon calling the bank their legal team states that they did not issue a letter of indemnity and even said it may be a scam I can only imagine this was processed to my account in error

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: DISCOVER BANK
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a balance ( for what feels like forever ) with Discover card. I agreed on a monthly payment plan. Without my authorization Discover fraudulently took funds from mother 's account. I'm not sure how they got my mother 's information other than once she allowed me to use it to hold a hotel reservation which I ultimately used my Discover card to pay the hotel bill. My mother is XXXX years old an can not afford to have had this money taken from her. It got by both of us because we were grieving the XXXX of my father and my husband had just suffered a massive XXXX. My father paid all of their bills so it was much later that my mother realized this money was coming out of her account without our authorization. On XX/XX/XXXX I spoke with a Discover card representative, XXXX. I explained that they were drawing money from my mothers account without permission. I asked her to produce paperwork showing that I gave them permission to access my mother 's account. She told me that they don't keep those records but that she would refer me to the fraud department. After not hearing back from anyone from the fraud department I called Discover again onXX/XX/XXXX, spoke with XXXX, was told again that they would refer my complaint/request to the fraud department and again I never heard from anyone, but they continued to bill me every month. Subsequently I had to make another payment arrangement because the {$14000.00} balance had not really decreased in three years because of the incredibly high interest rate I was paying. I have a payment arrangement letter dated XX/XX/XXXX informing me that my direct pay would begin on XX/XX/XXXX. This letter does not show my account number but this is when they retrieved archived information and automatically took the money from my mother 's account. I did not realize this was happening. I just received a monthly email notification that the payment had been made. During that time I was transitioning from having my XXXX husband pay the bills to me assuming responsibility for the bills. However, I also have the letter dated XX/XX/XXXX enrolling me into a new direct pay agreement showing the ( my ) account number that I gave to them. They fraudulently stole money, approximately $ 7,000+ from my mother. I believe that their unwillingness to assist me in addressing this matter is an indicator of guilt. My mother is on a tight fixed income and can not now afford to make repairs in her home because this money was taken from her illegally and she doesn't have extra money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no idea who CAINE & WEINER is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. CAINE & WEINER is indicating that an account unknown was opened with their company in XX/XX/2019. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have attempted to contact Caine & Weiner via certified mail ( RR # XXXX XXXX XXXX XXXX XXXX and that have not responded or provided any of the information I requested. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized CAINE & WEINER as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ CAINE & WEINER } was  authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to CAINE & WEINER, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On XX/XX/2019 I received a phone call at XXXX XXXX   from the company. When I expressed displeasure with the representative on the phone for the extremely early phone call he seemed completely unaware that there were laws governing when he could not call. While my phone number has a XXXX  area code I have receive mail from this company at my home address in XXXX. The company is aware of how early they called me and violated the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: EQUIFAX, 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 status incorrect

Complaint:
I am currently XXXX XXXX military XXXX oversea in a XXXX/XXXX XXXX   area. I submitted before XXXX all my information and during my XXXX XXXX add to my credit report all 21 of my student loans was 90 days late and damaged my credit. I submit 3 times for them to reconsider because I was in a XXXX/XXXX XXXX area. I provided the information to them and still nothing has happen with my complaint to them. I have attached the application and letter from my commanding XXXX station my location and area operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
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: Public record information inaccurate

Complaint:
I disputed a Bankruptcy reporting on my credit file back in XXXX 2017. I advised the information being reported was inaccurate and asked for Equifax to remove the BK. While the dispute was in process, I received an updated credit alert from XXXX showing the BK was removed from my credit file. I also called and spoke with a representative and they verified no longer was there a BK reporting. On XX/XX/XXXX, I received a letter from Equifax with confirmation stating a result from there re investigation stating they verified Public Record Information of a BK with a third party vendor by the name of XXXX Consumer Center. I immediately contacted XXXX to verify what is listed on my consumer file with them and the representative advised they DO NOT SHOW any public records at all on any of my consumer files with them and Equifax could not have verified this information with them. 
Equifax continue to make illegal updates on my credit file and they continue to report inaccurate information as if they have verified this information and they do not verify as well, as the inquiries on my credit file that, they fail to assist me with disputing the inaccuracy of things being reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: Experian Information Solutions Inc.
State: OK
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:
have an account included in my chapter XXXX petetion filed XX/XX/2019. 
all other accounts reflect this however i have disputed this and not getting the correct results.

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 2021-11-30
Company: Lendmark Financial Services
State: GA
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 recently received some information from Congress about my disclosures, that I noticed that we did not discuss, nor was it written in my documents at the time of the loan agreement. 


Your company is in clear violation of the law. Under 15 USC 6802- Obligations with respect to disclosures of the personal information. THE LAW CLEARLY STATES : ( b ) OPT OUT ( 1 ) In General- A financial institution may not disclose nonpublic information to a nonaffiliated third party unless- ( a ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic or the other form permitted by the regulations prescribed under section 6804 of the title, that such information may be disclosed to such third party. 
( b ) the consumer is given the opportunity, before the time that such information is initially disclosed to such a third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


Your company is in clear violation of the law Under 15 USC 6802, because they did not give me an option to opt of having my loan to report to the Credit Reporting Agencies. 


Furthermore, the Installment loan was an approval of a specific extension of line of credit used by my Social Security Card and Identification card. 
15 USC 1602 Definition of rules and construction States : ( I ) the term Credit Card means ANY CARD plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or Services on Credit. 

( Any Card- Has NO Discrepancies ) Your Company is in clear violation of : FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( b ) Any Authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Synovus Bank
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This company refuses to update an account that has been paid. They continue to report that theres a {$200.00} balance on the account, when in fact there is not a balance on the account. It was paid in full. The account was also closed against my will.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, 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 have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XXXX XXXX, 2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under XXXX5 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: EQUIFAX, INC.
State: TX
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 am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to a amount of that are not mine. I need those items removed as soon as possible please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: AES/PHEAA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The incident happened today XX/XX/2021. I tried to file a dispute with XXXX and was given a hard time. They refused to provide a dispute number and when pressed about it, they disconnected the call. 
My Dispute that i tried to submit to XXXX was about AES : due date, amount due, total loan amt, lender, type of loan, and monthly payment amt. 
AES is not providing correct information to credit reporting agencies and is messing up my credit score. XXXX did not appear to want to file a dispute and refused to give a dispute number. There was another line item dispute for charity services that was then reported as debt. I do not know weather that was disputed either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have a few addresses that is not correctly showing on my credit file that needs to be updated. My only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX. PLEASE DELETE THE FOLLOWING ADDRESSESXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX CT XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX, I have not lived at any of these addresses listed on my credit report I even noticed that a few actually belong to my adult children. However I would like them removed because they are not accurate.

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