BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-03
Company: Block, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I had my wife transfer {$1500.00} into my cash app account. I generally dont use cash app but it was late and I needed fuel for my commercial vehicle asap. The transaction was a success but when trying to transfer the money from Cash app to my business account it didnt go through. I then tried to send the money back to my wife but I was unable to do so. At this point I contacted customer service but got no real answer on what was going on. Over the course of 5 days Ive been hung up on and told numerous times theirs nothing they can do because my case was in someone elses hands. I was told I would receive an email with instructions because there is no one to speak to in the department handling my case. This is very frustrating since every transaction made has a moneXXXX trail linked to Cash app my wifes account my Cash app account as well as my business account are all linked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: CMG MORTGAGE, INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/20, my title company, XXXX XXXX XXXX, paid off my loan with CMG Financial Services, XXXX, New Jersey, on property in XXXX, California. Since that time, I have been patiently waiting for CMG to process the escrow checks in the amount of {$7600.00} and {$52.00}. To this date, I have not received any correspondence from CMG. I contacted CMG Customer Service by phone on XX/XX/20, XX/XX/20, XX/XX/20 and was told that the check had been issued and I should have received it via the USPS. On XX/XX/20, I contacted CMG Customer Service, Loan Administration Dept to request an investigation. On XX/XX/20, I received an email from XXXX XXXX, Support Representative, Question Reference # XXXX stating that CMG had requested a stop payment on previously issued checks and re-issued a new escrow check. I was to receive the replacement checks within 10-14 business days. It has now been more than 3 months since I have tried to resolve this matter to no avail. Therefore, I would like to file a complaint to find out why I have not received my escrow checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/2019, I fell victim to identity theft and someone attempted to open a credit card with " JPMCB- Card Services ''. The card was not opened as the bank was unable to confirm information on the application, per a letter received from the bank. However, a hard inquiry was placed on my XXXX  report. However, this attempted credit card application was fraudulent and the XXXX hard pull must be removed. 

I contacted JPMCB - Card Services on XX/XX/2019 and they informed me that they would request that the credit bureaus remove the fraudulent hard inquiry from my reports. I received a letter to this effect dated XX/XX/2019. I also contacted XXXX   on XX/XX/2019 to have the hard inquiry removed and was told they'd need to wait for the credit card company to request the hard pull be removed. 

Nothing happened. I submitted a second dispute with XXXX   on XX/XX/2019 as well as contacted JPMCB - Card Services. I was told that they had informed the credit reporting agencies that the hard inquiry should be removed on the basis of fraud but that they would send them a second request for the removal by XXXX. I received a letter confirming this action dated XX/XX/2019. When I received back the results of my dispute from XXXX, it stated : " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact Chase Card, XXXX XXXX XXXX, XXXX, DE XXXX, Phone ( XXXX ) XXXX. '' As of today, XX/XX/2019, I still see the hard inquiry from JPMCB - Card Services on my credit report from XX/XX/2019. To reiterate, this was a fraudulent attempt by someone to open credit in my name, which failed but the hard inquiry is negatively impacting my credit score and needs to be removed  immediately after these multiple attempts to resolve this through the bank ( JPMCB - Card Services ) and credit reporting agency ( XXXX ).

Additionally, this JPMCB - Card Services fraud had also been reported to XXXX. However, that was quickly resolved and the hard inquiry has long since been removed from my XXXX credit report. 

I have locked my credit reports and added a security freeze at all three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. Please update or correct this immediately. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$980.00} US DEPT ED XXXX : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$6500.00} US DEPT ED XXXX XXXX {$3200.00} XXXX XXXX XXXX XXXX Balance : {$9900.00} US DEPT ED XXXX : {$5400.00} XXXX XXXX XXXX XXXX Balance : {$6500.00} US DEPT ED XXXX : {$4700.00} XXXX XXXX XXXX XXXX : {$7100.00} US DEPT ED XXXX : {$4000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX : {$0.00} XXXXXXXX XXXX****Balance : {$0.00} XXXX XXXXXXXX : {$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 2018-05-17
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
You are reporting 3 accounts that are not mine showing as closed on my credit report. Remove them from all 3 credit agencies immediately and cease reporting under these closed 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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
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. 


Account name : XXXX Account XXXX Account name : XXXX XXXX Account Number:XXXX Account name : XXXX XXXX  Account Number:XXXX Account name : XXXX XXXX Account Number:XXXX  has violated my rights. Or 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.

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 2023-01-12
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
AES sent me a letter, claiming that I was 28 days past due of my payment. I already signed up for XXXX XXXX XXXX a month ago on AES Success 's website. AES never processed my XXXX XXXX  ; instead, the company is sending me harassing messages and letters demanding payment. 

I don't owe this company any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Navient Solutions, LLC.
State: OR
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For several months I have been receiving periodic phone calls, sometimes daily, from someone at Navient Solutions LLC, a student loan servicing company, about someone else 's student loans. I am XXXX years old. I do not now and never have had a student loan. The Navient caller is calling my phone number, but asking for someone else by name with an offer of assistance on the loan. 

Today the caller was calling for XXXX XXXX. I could not understand the caller 's name, which is often the case with these calls. Sometimes the caller is a native English speaker, sometimes a non-native speaker. Today 's caller was a native English speaker. The caller also cited an email sent to XXXX XXXX on XX/XX/XXXX with the same offer, and I could not understand the email address given. 

The calls are always for a different person. The caller leaves a call-back number, which is different from the one the caller calls from. Today 's call-back number was XXXX. 

I tried calling the call-back numbers before I couldn't through to anyone who understood I didn't have a student loan. 

I called the Navient number just now and was connected with a person who apologized and said he could remove my phone number. I'll give it a little time and see if it works.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2023-11-06
Company: DISCOVER BANK
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
So Ive been having this late payment reported on my credit for almost a year and I want to get it removed because it's saying on all the credit bureaus that it is a 30 day late payment when it was 4 days I was late That late payment was on XX/XX/22 and paid on XX/XX/22 the original balance was {$1800.00} but there was a late fee of {$41.00} which brought the total to {$1800.00} And my credit card company is discover and they cant do anything on the part is what I was told.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX i sent in a dispute letter to Experian. On on XX/XX/2020 at XXXX XXXX. in XXXX, TX sign by an individual name XXXX. I waited a whole month and never received a response. On XX/XX/XXXX i sent in a non response letter to Experian and on XX/XX/2020 at XXXX XXXX and individual signed off on the certified letter I sent in. I called Experian on numerous occasions to ask did they receive a letter and on both occasions they denied they received the letter even though i have proof of receipt. On XX/XX/XXXX I sent in another dispute letter sent certified mail and it was delivered on XX/XX/2020 at XXXX XXXX. Once again I received no response. On XX/XX/XXXX i filed a complaint to the CFPB and on XX/XX/XXXX i received a response from Experian saying my complaint was fictitious and they feel that I didnt file this complaint and i was told I should send in another complaint to their company even though thats what I was doing in the first place. Since XX/XX/XXXX experian has been engaged in numerous stall tactics and for this company to label my numerous complaints as fictitious is appalling and disturbing at most. Even though I supplied numerous of signed certified letters, signed by an experian representative i still got a response that my complaint was not summited by me. Because of this experian has caused a significant amount of stress due to incorrect information being reported on my credit report. I cant use my VA Loan or get any type of new credit due to this unfortunate situation. For experian to continue on with their stall tactics shows they have no respect for the law or dont care to even investigate the issue levied against them.

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 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX never late XXXX   XXXX XXXX XXXX {$230.00} not mine XXXX not mine XXXX not mine XXXX XXXX XXXX {$1900.00} not mine

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 2022-01-06
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
My first student loan payment to Sallie Mae was due on XX/XX/2021 in the amount of {$310.00}. I can not afford this amount per month as I am in my first job since i graduated college. I have tried to get ahold of sallie mae on many different occasions and by many different ways of communication. Every time I call, I can not get to an agent because they are always " busy '', even when i stay on the hold line for XXXX minutes. when I tried to communicate with them via their online chat system I went through the automated message system before choosing the option to speak with an agent and again was told that all agents were busy and I should try again at a later time/date. Additionally, in my time chatting with the automated message system, i was told that sallie mae does not offer any type of income based repayment options and only offer deferment for those participating in an internship or residency. This causes concern that I will not have another option, especially considering they are almost impossible to get ahold of regardless of how much they preach that they are there for work with you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Allied Collection Services, Inc. (Nevada)
State: NV
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 XX/XX/XXXX an inaccurate information was published on my XXXX credit report by ALLIED COLLECTION AGENCY without any contact with me. I disputed this report and XXXX initially removed the report only to publish it again on XXXX, XXXX and XXXX now including the original creditor XXXX XXXXXXXX XXXX XXXX. I again disputed the accuracy of the debt through a letter sent to all 3 credit bureaux yet they keep removing and republishing this false negative report. 
The debt collector later sent documents on the purported debt to my wife XXXX XXXX XXXX XXXX while blurting out my name from all documents. The fact of the matter is that we moved out of XXXX XXXX XXXX on XX/XX/XXXX and left the apartment in good condition barring normal wear and tear and we left a security deposit of {$2400.00}. We did a final inspection of the apartment with the staff of XXXX XXXX XXXX and have our video and photo evidence. The staff even refused to let us take video evidence until we spoke to a manager on phone. THE DAMAGES CLAIM ARE INCORRECT AND OVER BLOATED. We dispute a lot of the charges like the rent, garage remote, interior paint, dry wall repairs, micro wave broken handle, solar vinyl prorated. Our rights are being violated by the continued publication of this false report until a court decides

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 2019-04-12
Company: EQUIFAX, INC.
State: FL
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:
Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me on my account. I even have some that show up at multiple dates. I sent letters last year in regards to this issue and have not heard back from them, Equifax and XXXX. They are all dated for the year 2017 from XX/XX/XXXX to XX/XX/XXXX and I don't recognize all of this inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
PNC Closed my virtual checking and savings accounts. I tried to reopen the accounts, however they closed the accounts without explaining the reasons behind their decision, just said that I violated their terms and conditions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-01
Company: Phoenix Financial Services LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This is a hospital bill/worksmans comp bill, that first off Im not responsible for, also the second collection agency going after me, each time they sell the claim my credit goes down more!!! Its not fair that each time my credit score is affected

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage 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 documentwhether it's a charge off? The balance is in fact wrong, please make sure toreverse it to XXXX or remove the item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2019-04-12
Company: Innovis
State: OH
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:
My name is XXXX XXXX XXXX I have a few address on my file that are not accurate. I never lived at XXXX XXXX XXXX XXXX, XXXX, OH XXXX ,XXXX XXXX XXXX  XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX XXXX, OH XXXX. My address is XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX My SS # XXXX please remove any variations of my name they are not accurate.

Company response to consumer: Closed with explanation