BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-16
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello, On XX/XX/2021, I received a cash app payment from my daughter in the amount of {$200.00}. I decided to cash out the funds back to my bank account. I also sent a {$20.00} donation to a friend as a donation for a food purchase for a family who lost their mom on yesterday. This morning neither transaction was showing in the Cash App. 

I also use this same platform to invest in stocks. Because my transactions from XX/XX/2021 still weren't showing, I checked my stocks and found that 94 % of my money was gone and the stocks selected for my investments were no longer showing on the platform, i.e., XXXX XXXX, XXXX, etc. On XX/XX/XXXX, I had a balance just over {$4100.00}. Today ( XX/XX/XXXX ), I have less than {$200.00}. I checked my stocks on the stock exchange to determine what happened in the market and found that there were no significant losses. Yet, my money is gone. In addition, the site does not show what my stock investments are, but does show my total invested amount and current balance as of the close of yesterday. I also make bi-weekly purchases for certain stocks, and those are not showing in my history. Ironically, there is a Bitcoin balance of {$92.00}, and I have never purchased Bitcoin.

I can only assume that I have been hacked because nothing else makes sense. I did take photos of what is currently showing on the screen at different intervals during the day for XX/XX/2021. However, the site was showing balances for a timetable for today for afternoon transactions and yet it was only XXXX XXXX. when I checked my account balances this morning. I submitted an inquiry and was told someone would be in touch within 2 hours. I have not received a follow-up but in the interim I wanted this information regarding this scam to be published immediately. I realize there is risk when investing in the stock market. However, I have been participating for quite some time and understand the risks. I have lost a few dollars here and there, and that's to be expected. However, I am positive that I have been scammed because I don't show any significant losses on yesterday for my selected stocks. 

Any assistance you can provide is greatly appreciated. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: Torres Credit Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Torres Credit Services has continued to collect on an {$85.00} utility bill that was discharged in bankruptcy. As a result the collection item has been placed on my credit for ALL three major credit bureaus ( XXXX ). 

Torres Credit Services has refused to remove this item from my credit thus negativaly impacting my credit. They have violated the FCRA/FDCA by reporting on this debt as valid since it was discharged in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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  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 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 non-monetary relief
Consumer complaint received 2019-12-12
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I spoke with XXXX XXXX asked for his employee number he stated I could only receive his extension which he gave as XXXX I told Mr. XXXX I was calling to dispute the debt for which I was sent a pre legal notification letter for. I told him I wanted to know about disputing the validity of the debt and the conversation escalated to the point where Mr. XXXX stated that I would remember this conversation. I felt that the manner in which he said that statement it conveyed a serious threat. I asked to speak to a manager which we went back and forth then he placed me on hold however I could still hear him typing he came back and said a manager wasnt available then we talked more and he tried to explain how he meant what he said about me remembering the conversation however I truly and sincerely believe that he meant it in a hostile threatening manner and it made me fearful and uncomfortable. The call ended by him saying he would dispute it. This happened on XX/XX/2019 at approximately XXXX XXXX  eastern time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16
Company: Peter Roberts & Associates, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I was sent a bill of debt collection for the amount of {$400.00} from Peter Roberts & Associates , Inc, a collection bureau. The creditor is XXXX XXXX XXXX XXXX. In the bill the company has violated many of my rights under the Fair Debt Protection Act. Such codes as 15 USC 1692 b ( 2 ) for sending my debt to experience, XXXX and XXXX credit bureaus along with sending notice to my name spelled in all capitals as that is not my name and was pursued to owe this debt. Along with other codes such as, 15 USC 1692 e ( 2 ) ( a ), 15 USC 1605 ( a ), 15 USC 1692 f ( 1 ), 15 USC 1692 d ( 2 ), 15 USC 1692 f ( 6 ), 15 USC 1692 f, 15 USC 1692 c ( a ), and 15 USC 1692 b ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions 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:
We have repeatedly contacted XXXX XXXX about the account on our credit report. 

They have been advised this is a fraud account and it was not opened by myself. We have files with IdenityTheft.gov, we filed a police report, and we have written and mailed copies of all the above to XXXX. 

They have not removed the fraud account from our credit records. 

XXXX XXXX does not appear to want to remove this incorrect fraud account they opened without our knowledge or permission

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 2021-11-16
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Fedloan servicing is terrible! I have met the XXXX qualifying payments and have been waiting for months to get notice of student loan forgiveness. There are frequent mistakes along the way that have only been corrected with repeated calls and my insistence. The past XXXX times that I have called, I have been on hold for close to 2 hours and the phone has hung on me without speaking to a person. This is the absolute worst customer service I have ever seen!!! Something should br done given widespread complaints and poor service!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
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: Their investigation did not fix an error on your report

Complaint:
I have disputed the late payment status reported on the accounts XXXX XXXX XXXX, XXXX  XXXX, with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not reverse the late payments. I was not late on the month it shows on the report, I have receipts to prove this. CFPB please step up and fix this ASAP please

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 2023-03-15
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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 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 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 non-monetary relief
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXXXXXX XXXX XXXX & may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 three credit reporting agencies ( XXXX, XXXX, and TransUnion ) have been notified on several occasions since 2018 regarding the falsely reported delinquency listed on my credit report by XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX deals in unethical business practices and has, for years, preyed on consumers by finding loopholes to create negative impact factors to sway consumers to them for financing since they are XXXX of few major companies that have high interest products dedicated to poor credit consumers, especially XXXX XXXX  consumers. 
In 2018, I contacted XXXX XXXX XXXX to ask if I could get an extension on my payment and I was told by their representative that since this was my first request, they would defer the XX/XX/2018 payment to the end of my loan and my payment history would not be affected. I was so appreciative because I had an unblemished payment history on my credit report and a steadily climbing credit score. That was until the next month when I received an alert that there was a delinquency from XXXX XXXX XXXX appended to my credit report for missing a payment accompanied by a XXXX point decline in my credit scores. I immediately contacted XXXX XXXX XXXX and asked them to pull the phone records to confirm the specifics of the conversation. I asked them to accept my payment and reverse the delinquency. They refused and have been fighting to keep that recording and the specifics of that conversation private ever since. Not only is this unethical business practices, but it is also credit discrimination in an attempt to reduce my creditworthiness to potential creditors forcing me to do business with XXXX XXXX XXXX. 
Since that date, they have consistently reported this delinquency that they fraudulently created by misrepresenting the specifics of the arrangement which would have never been entered into had I known my payment history would be affected. Logically, if someone says that the payment will be deferred to the end of your loan, technically the payment is not missed ; it's simply added to the end of the loan term. Therefore, I assert that this misreporting has affected my credit report for far too long and I wish to have this missed payment removed and my payment status updated accordingly.

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 2023-03-03
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. My ex-wife has sought to change the insurance provider on our home mortgage. Wells Fargo tell me they must make the change ; if requested. Should the change occur we risk the current insurer XXXX XXXX ceasing the remedial work they are doing in the house due to flooding. 

2. WF also have no rules to manage conflicting parties.

3. The FBI and DoJ notified me that XXXX XXXX was part of a crime family  and would seek to undertake a fraud - insurance and financial - against me and the insurers. The circumstances of the flooding point to her negligence.

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 2019-12-12
Company: World Omni Financial Corp.
State: NC
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 submitted numerous disputes. On the most recent dispute, XX/XX/2019 and XX/XX/2019 follow up letter and packet. I submitted a letter with the creditor lying to a North Carolina consumer protection agent on goods and services sold under false pretenses. After a detailed letter and report, they continue to report inaccurate historical data since XX/XX/2019 even after given clear historical numbers and violations of my civil rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 deleted : XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX  XXXX Balance : {$26000.00} XXXX  XXXX XXXX : {$3600.00} XXXX XXXX : {$0.00}

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 2021-11-16
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have reached out several times to have this issue corrected and I have never received a response back. I was out of work due to COVID and had a loss of income and missed a payment. Before COVID I had a stellar payment history and never missed a payment, also all my deductions going forward are on auto-draft to avoid any late payments. XXXX XXXX is in clear violation of this matter due to the CARES ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently participated in the loss mitigation process with my loan servicer after completing the trial mod payment process. However a copy of the permanent loan modification was never sent to me in the mail and also a copy was never sent to by email. I contacted my mortgage servicer about the discrepancy in a qualified written request which was received by my lien servicer on XX/XX/2019. My mortgage servicer has not answered my request as required by law or provided me a copy of the permanent loan modification as promised by email and or by phone when I spoke to the mortgage servicer about the process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
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. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 2019-12-12
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I authorized a charge with XXXX shoe store. Shortly after I received a confirmation email I noticed the email was from a bogus company claiming to be XXXX. In addition, the company charged me more for the order than I originally authorized. Immediately I contacted Citi to advise of the issue and cancel my card and requested a replacement. Citi sent me documents I was to fill out and return to them which I did. I contacted Citi numerous times requesting status update on the dispute case which representatives advised they received my correspondence and were investigating. Mid XXXX I received a letter from Citi claiming they did not receive my documents. By this point I was irate after my many conversations that led nowhere and much wasted time. Today is XX/XX/XXXX and I have spoken to Citi too many times. I spoke to a very nice representative today who instructed me to write Citi and request an appeal as he was able to confirm I indeed sent ALL information requested and the dispute team overlooked it. I also wrote to the XXXX  which I have yet to hear back from after someone from the executive office called me and told me they work in the credit card section and would forward my concern to the banking side. I am truly beginning to lose all faith and confidence in Citi. This is the first time I raise a dispute and I am extremely disappointed as the company was bogus and while I authorized the charge I shall add I never received any goods or services from this company. Not only was the company bogus which I understand Citi should not take the loss as again I authorized the charge ( mistakenly ) BUT I never received good from the company therefore Citi should dispute this accordingly. I am looking for resolution of the funds being refunded to my account as this fake company does not deserve to keep my money and Citi has dropped the ball all around on this matter.

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