BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-05
Company: Riverwalk Financial Corporation
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2019 CashApp withdrew {$1300.00} from my checking account indicating that it was a REFUND ( the date of the original transaction was back in XX/XX/2019, not sure why they took a refund 2 months later ). The funds were released from my account by my bank on XX/XX/2019. This  refund was not authorized nor requested. There is no telephone number for CashApp so I sent an email on XX/XX/XXXX to XXXXXXXX requesting the funds be returned. I received a communication from XXXX XXXX XXXX on XX/XX/XXXX requesting further information for them to investigate ( to which I provided the information ). On XX/XX/XXXX I sent another request for investigation ( to which no response was received ). On XX/XX/XXXX I left a message on the App Store advising of the problem. I received a communication from XXXX ( XXXX XXXX XXXX ) advising they passed the case along to a " member of our Disputes team ''. On XX/XX/XXXX my mother sent email to XXXX XXXX XXXX requesting return of funds. A reply was received from XXXX XXXX in essence requesting the same information. I sent the information again. Please note that, to date, XXXX XXXX has NOT received the {$1300.00} withdrawn from my account and CashApp has not responded to my inquiries for investigation ( only been given runaround ). This has caused me undue financial hardship and I am unable to pay my bills. The below information is the information that I have repeatedly provided CashApp. 
Cashtag : $ XXXX Phone Number : XXXX Senders Phone No. : XXXX Email Address : XXXX Recipients Phone No. : XXXX Identifier of the transaction : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
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:
This has been a very difficult year with credit in every way you could think of. Ive recently received alerts on my credit products on Equifax, XXXX, and XXXX. I have been affected in the past and I dont know why your company continues to place unrecognized and inaccurate inquiries on my credit file. The following inquiries were placed on my credit file as of XXXX XXXX, XXXX. No one contacted me to get my consent and that is a definite violation of The FCRA sections 604, 609, 611, 605B. I have attached a letter, and several photos as well. I am really frustrated with your credit Bureau and Im now filing a lawsuit against Equifax, XXXX, and XXXX for placing false inquiries on my credit file without my consent. Seems like you guys are treating this situation as a joke and I find that to be unprofessional. Please do not place no fraud alerts on my credit file. Just contact me in the future or have all creditors contact me for new future account. You should be ashamed of yourself for not taking the proper precautions to insure my credit file. I have contacted each bureau and have been placed on uncomfortable hold on the phone, supervisors hanging the phone up on me. I have spent hours on the phone trying to contact each Bureau when I was aware of this matter. No one is cooperating with me and i am left with no choice but to approach this situation through legal actions. There is no respect because I am unaware of the inquiries and this has been a situation that has been on going for the entire year and Im tired of the XXXX. You have caused XXXX XXXX and more symptoms to my physical body and my XXXX XXXX. Please be aware that you will have to pay court fines and a fine of {$20000.00} for causing damages to my XXXX XXXX. I need to be compensated with a check that will pay my doctor bills. You can negotiate it with my lawyer. I am no longer in discussion with your company at this point since I have filed a lawsuit. 
Inaccurate Inquiries : 1. XXXX XXXX 2. XXXX 3. XXXX 4. XXXX XXXX 5. XXXX 6. XXXX XXXX 7. XXXX 8. XXXX XXXX 9. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
The inquiries listed in my report were inaccurate. I requested that they investigate these and analyze my files by sending letters to TransUnion credit bureau. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022

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 2020-10-20
Company: Chime Financial Inc
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXX I noticed a charge on my checking account titled " XXXX '' in the amount of {$150.00}. I have no idea who or what it is. I immediately filed a dispute. When I asked for more information, all the rep could tell me was it was an online purchase. My claim was denied, which I immediately reopened providing " additional information '' requested. That was where I was at the time of the purchase : I was at home with my family. It took them almost 2 weeks to provide me with the " documents '' used in determining the outcome of my case ( attached ). The 3rd time i reopened the claim, i detailed why the 3 reasons almost proved I DID NOT make the charge : 1. It was a PIN purchase, but I had my card and was home. 
2. The thief knew I was paid 2 days prior. Then why did the thief wait 2 days? I work so I get paid once a week. Why wouldn't they have taken it Thu or Fri? The charge in question was Saturday. Why didn't they take more? They took less than 1/2 of the deposit amount. This reason does not indicate someone knew a deposit was made.

3. If the dispute was 12 minutes away from my vicinity, than that is not at my house, so it's not me - because I was home. 
I have asked who this merchant is, what is their name, where are they located, why is there no contact info or location? They refuse to answer any of my questions and just say to refer to the documents used in determination. To me, this seems like it is clearly fraud. 
Even providing the information above, asking for a more valid reason for denying me, they still said no. They denied my claim yet again, providing the same document used in determining the denial the first 2 times. If this is a real merchant, tell me how to contact them and I can dispute it with them. But it doesn't seem real, so now I need my bank to help me get my money back- and they're not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Experian Information Solutions Inc.
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 have been a victim of identity theft for several years now I've made police reports and sent them in to all credit bureaus to no avail Experian is still reporting this item on my credit report as mine and it isn't time and time again to get this matter resolved and nothing is happening this item is ripping my credit apart its hard for me to get housing getting loans for my children 's college loan I have been steadfast in paying all my bills on time and Experian is not reporting my payments and my credit score has not increased at all this item needs to come off my credit report the company name is XXXX/XXXX DATE OPEN : XX/XX/2019 BALANCE XXXX thank you in advance for all of your help on my behalf XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I purchased a phone awhile back, and it arrived soon after but had to purchase a charger separate and wait for it to arrive. Once turning the phone on and using it, I noticed some issues arise. First, the USB slot had issues recognizing the charger or other dongles. Then I noticed phantom touches where the screen would tap by itself. The advertisement for the phone said it was in good condition with no issues whatsoever, and it clearly has issues. I tried searching the website where I purchased it from to get a refund, but there was no way. So, I was forced to refund via PayPal, and they managed to get in touch with the seller. I then demanded a refund for the falsely advertised broken device, in which they agreed with but never sent me anything in order to ship the item back. There is a full chat history to prove it. After some time and still nothing from the scammer, PayPal closed my case. This is straight up fraud and both XXXX and PayPal should be held responsible. I would also like my money back for a product I never got, which was a WORKING phone. The device at hand was {$170.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Fay Servicing, LLC
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am receiving information on MY loan solely through disputes & credit reports. Fay refuses to notify me of a seriously delinquent account & found out through searching on my own. The information I receive is INCOMPLETE, INACCURATE & totally unfair & a violation of my rights! 

This time, PLEASE focus on providing me with 24 months of COMPLETE payment history & send to MY address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX Date Opened : XX/XX/2019 Balance : {$4600.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1100.00}

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 2021-08-19
Company: WELLS FARGO & COMPANY
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
I lost my wallet were it had my whole info my id my ssn and bank cards someone really screwed me over

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 2023-07-06
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:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an account left that needs to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX 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 2019-08-21
Company: CADENCE BANCORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I applied for an bank account, but was told that they had to decline my application. The reason for declining my application, because my Credit report had a freeze on it. I have spent two days reaching all three credit bureaus about having a freeze on my report. All three credit bureau stated that I DONT have a security freeze. So, now I can not open any accounts, because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Experian Information Solutions Inc.
State: OH
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:
Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt assistance in 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 explanation
Consumer complaint received 2020-10-20
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My bank account was closed with chase bank and I had deposited a check for {$47000.00} and it waa deposited into my account # XXXX and {$520.00} was taken to cover a balance that i had owed into a different account and then both accounts had been closed and this was XX/XX/XXXX that it was credited into my account and then XX/XX/XXXXmy account was closed and we have been trying for months to get this money back. We have been told twice that the check has been sent and this last week we had been told the check has not been sent at all, what? That makes no sense we have {$46000.00} missing and the bank has it cashed it and will not send back the funds? The check waa in my bfs nams he signed it and is fine if I get the funds of if they issue him the check but we keep going into chase bank with no real answer as when we will get our money! This is our money and we cant get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: CADENCE BANK
State: TX
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I tried to buy a game currency for XXXX XXXX, and someone showed up in XXXX and offered me the service.

He provided 2 emails : XX/XX/2019 XXXX XXXX -negative {$360.00} Money Sent Repeat this transaction Your recipient should have the money by XX/XX/2019.

Paid with XXXX XXXX XXXX XXXX XXXX XXXX Credit Card VISA Credit Card XXXX You'll see " PAYPAL XXXX '' on your card statement.

Transaction ID XXXX Sent to XXXX XXXX   XXXX Details Sent to XXXX XXXX {$350.00} Fee {$15.00} Total {$360.00} And he also provided this other email : XX/XX/2019 XXXX XXXX + {$360.00} Refund The original purchase was on XX/XX/2019.

Refunded to XXXX XXXX XXXX XXXX XXXX Visa Credit Card VISA Credit Card XXXX You'll see " PAYPAL XXXX '' on your card statement.

Transaction ID XXXX Seller info XXXX XXXX XXXX   Refund details Refund total ( includes tax and shipping ) {$350.00} Fee {$15.00} Total {$360.00} From the first email ( XXXX ) he did a refund, and told me to send it to the first one ( XXXX ) and then he blocked me and disapeared with the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 began to review information on my personal credit file and noticed SEVERAL errors and inaccuracies. Based on my rights as a consumer, I began to request verifiable documentation for the items being reported. Upon contacting several agencies, I was alerted that information was not shared, thus, indicating that company 's response to the item in question ( Bankruptcy ) being verified was not only a deliberate lie, but also illegal. The company deleted this item from my credit files, THEN ADDED this item back, which is also illegal.

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 2017-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After sending several certified letters that have been ignored by the credit bureau. I have send letters of disputed alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST {$1000.00} + PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION LEGALLY A CONSUMER COMPLIANT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM for the following late 1.XXXX XXXX-several late/missed payments 2XXXX XXXX-several late/missed payments

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 2015-06-11
Company: NATIONSTAR MORTGAGE LLC
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage in which the legal description is incorrect. I have repeatedly requested that the company who holds the mortgage please correct the error. My title company has also sent an email request. All requests have been ignored to date. The house that has the incorrect legal description on the loan is showing up on the title for the property next door that I am trying to sell. I can not sell that property with the cloud on the title. I need Nationstar mortgage to release the title to XXXX ( incorrect legal description on the title ) and order a new title search and prepare a corrective deed for XXXX XXXX XXXX XXXX. The mortgage should be for XXXX alone. Again, all requests have been ignored. This needs to be serviced and Nationstar will provide no service or answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, 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 status incorrect

Complaint:
Equifax has flagged an existing account that was previously shown as paid in full to now a charge off. How is this possible. I have attached the documents to show the accountand proof of violation.

Company response to consumer: Closed with explanation