BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I wanted to purchase a puppy online via XXXX XXXX XXXX XXXX XXXX XXXX. After I inquired, I received a text message saying that the puppy was ready to get shipped that day and all I needed to do was to send payment to this Zelle account, which included the price of the puppy and the shipping cost. I then received through email a contract to sign. It looked suspicious since the breed of the dog on the contract was misspelled. 

Afterwards, I got an email saying that I needed to pay the shipping company and extra charge. Two options were available but the first one was cheaper ( {$1600.00} and 98 % return when the puppy arrives ). I didn't understand why I needed to pay extra so I ignored it. After a few hours, I received a call from the " agent '' that was with that shipping company. I asked him why I needed to do that since I already payed for shipping. He kept on insisting ( with a distorted voice over the phone ) that I need to pay asap through Zelle so he could ship it asap. I kept on arguing with him and I asked what will happen if I do not pay today since it was a lot of money all of a sudden. He said that it will go to a shelter and that I will be charged with abandonment. At this point I tried to get a hold of the person who owned the puppy but he kept on refusing to pick up but wanted to only text since he was at a " doctor 's appointment ''. Finally after trying a few times, he called back and I immediately knew this person was a scam because his voice was distorted. After that call, I called my bank to try to put in a fraud claim to retrieve back the money I initially paid. After some time, the claim went through and said that I would receive a call during the afternoon in the next few business days. 

It is now XX/XX/XXXX. I called back my bank to check on the status of my claim and they said that my claim was cleared and that they could do nothing about it. Their reasoning is because I willingly authorized my first Zelle payment and there's nothing they could do. I even asked for the name of the bank that the person was using and they couldn't even tell me that because they are not authorized to. Basically, they said I was at a loss and there's no solution that could be reached. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: NC
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have a 30 day late payment report on XXXX XXXX.I setup and automatic payment and they make a mistake and never charge my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: MERCHANTS ADJUSTMENT SERVICE, 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:
My credit report from XXXX is showing I have debt of a credit card that I owe to XXXX and a balance of {$7200.00} Opened on XX/XX/XXXX, with is fraud and also showing late payments. XXXX is reporting Merchants Adjustments showing I owe {$580.00} Opened on XX/XX/XXXX, which is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A bill payment for the next due XX/XX/XXXX was sent. The payment was refused by SLS Servicing. Notification was provided by the personal checking account that SLS returned the payment due to refusal. 
The loan was current. The payment was sent to the correct address. 
I have proof that we were impacted by XXXX  and had to get there XXXX XXXX XXXX during XX/XX/XXXX. There is long term impact. This said, the payment was still sent in XX/XX/XXXX and received by them XX/XX/XXXX and it was to be applied for XX/XX/XXXX. 
There has never been a payment returned for non sufficient funds. 
It is their goal to Foreclosure on the property, generate additional fees and charge to make payments via their payment vendor.

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 2019-02-16
Company: HUNTINGTON NATIONAL BANK, THE
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
i will go in court and midias because of bank i went in hospital also have XXXX XXXX i moved to XXXX before i lived in michigan my ex cancelled credit card and others i did a reservation with the rental car the price XXXX took my money {$1000.00} to my surprise the bank canceled my account and debit card i dont have money and cards i did contacts many times i want my money back and a solution. i am from XXXX i dont have family here the bank canceled my account and debit card and didnt the contact i am very depressed i have documents and evidence. terrible bank and disrespectful

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have a 30 day late payment report on XXXX XXXX setup and automatic payment and they make a mistake and never charge my account.

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 2022-09-30
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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 belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2018-11-30
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX was my balance, overnite regions added XXXX bank fees, just when I was going to pay them off, that's when I contacted consumer financial protection bureau demanded the fees removed, region manager offerd me XXXX, everytime I called regions they would want to collect all the unethical fees, during that time I signed up with comsumers credit consueling, I paid regions XXXX they are not applying my payments to account the stilling charging me fees, the collection employees only want to continue to harass me about the fee, my balance should only be XXXX to close out account.. regions want to collect the fees, it is account ending in XXXX, regions act like they have no notice from cfpb,, the are collecting more than I owe 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 2022-07-04
Company: ALLIANT CREDIT UNION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Alliant FCU has continually attempted to collect a alledged debt from me that I am disputing. I am a federally protected consumer and I have reason to believe Alliant FCU has violated my rights as a natural person. I had a consumer credit transaction with them and now they are alleging that I owe a alleged debt on an account that has been allegedly charged off, which the alleged charged off amount is incorrect. They also have admittedly reported private consumer information about the consumer credit transaction to the consumer reporting agencies without my express written consent as required by law. I have reason to believe was done in order to coerce payment on extension of a credit, which is a violation, criminally and civilly and violators shall be fined or imprisoned not more than 20 years, or both. Lastly they stated in communication that they have confirmed that the information they have reported about me to the consumer reporting agencies was accurate. Therefore I am requesting the details on how they verified that the alleged debt was valid. What means they took, who they spoke to, what dates, and what was the communication details of those actions ( what was said or done ). I am simply asking them to provide proof that they have not committed fraud against me. If they can not provide that valid proof then I demand remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage loan is currently serviced by Chase Bank. Chase Bank has refused to process my loan modification, refusing to issue any written statements, approvals or denials. Chase Bank is clearly trying to over collect on the amount due of {$8300.00} so they can strip the equity away from the property. The P & I payments on the property are {$260.00} and eight payments are past due, so {$8300.00} alleged past due amount is grossly padded. I have applied for a loan modification on numerous occasions and Chase Bank has refused to submit the modification requests for underwriting. Since HUD is unaware of the modification request, they are clearly in the dark on the loan modification process. Chase Bank is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. Chase Bank also has an obligation to process the loan modification with transparency and clarity per the National Mortgage Settlement of 2012 ( NMS ). Per the NMS, Chase Bank is obligated to process the loan modification with transparency. Chase Bank has  refused to cooperate and is threatening foreclosure action, as they have set a foreclosure sale date of XXXX. Chase Bank claims I was served with a foreclosure summons on XXXX, which is impossible since I was in XXXX at that time. Chase Bank never offered formal mediation per IN 32-30-10.5, which is the state law. Based on the violations listed herein, I am seeking your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: WELLS FARGO & COMPANY
State: NY
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:
To Whom it May Concern, I have recently obtained a copy of my credit reports that reflects a credit inquiry made by your company that I do not recall authorizing.

This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have the unauthorized inquiry removed.

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.

If you have any documents that you believe authorized your organization to make the inquiry, I respectfully request a copy of it to be sent to my address so that I may verify its validity. Given the growing nature of identity theft, this verification will protect both our interests.

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 2017-08-13
Company: National Credit Systems,Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have multiple issues with National Credit Systems , Inc. including, but not limited to : -I have received multiple requests for funds, without an explanation of why the amount is what it is. The collection bill is not itemized and does not reflect what I was actually paying while I was a resident of the collection agency 's client- Piney Point Apartments. So I 'm not sure where this arbitrary lump sum amount of {$950.00} is coming from. -I never once received notification directly from XXXX XXXX XXXX saying that I owed money or that they would be forwarding a balance to a collection agency. They have all of my personal information on file, so there 's no reason why I should n't have been notified before being sent to collections. -Neither XXXX XXXX XXXX nor National Credit Systems , Inc. have informed me when this collection balance became delinquent or when the statute of limitations will expire. -National Credit Systems , Inc. did not disclose that they would be sending the collection balance to my credit bureau immediately, without allowing for resolution first. -National Credit Systems , Inc. never once identified themselves nor did they have any identifying information about me or the specifics of my residency at XXXX XXXX , when contacting me. They also have failed to identify themselves either by name or by licensing number. -I 'm getting random collections calls from every state in America , which seems a little bit shady if this is supposedly a legitimate business based in XXXX , GA. -Legally, the apartment complex had to notify me before forwarding my personal information to a collection agency, which they failed to do. I never once received correspondence directly from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/18 I have been traveling via RV from state to state ( TX-MD, DE and then back South to Fla. ) I have used my Capital 1 CC in the past with never a problem. Yesterday XX/XX/18 while getting fuel for the RV ... the purchase was " declined ''. I had just purchased a sandwich using my CC but the gas had to be purchased at another register. When I did so, it was declined! Not only was I ashamed but I was furious! I have been a loyal Capital One customer for several years and did not deserve this blatant act of disrespect! It is documented on their website that Credit cards are covered during travels because of the chip. I responded to their text to verify my use but apparently that was not effective. I called 4 times trying to get my card unlocked but the customer reps. kept transferring me to others that couldn't help me either so they would in turn, transfer me again. I am disgusted with Cap One 's customer service which is " POOR '' to say the least! I '' WILL NO LONGER '' be using my Capital One card for future transactions but they should already know that since they put a restricted purchase use on my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Block, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I work for a member of XXXX who was the unfortunate victim of identity theft and the criminal opened a CashApp card using the victim 's information. I mailed a formal dispute with all of the required documents under the FCRA to have to account confirmed as fraudulent to CashApp on XX/XX/22. After no response from CashApp I attempted to call them on XX/XX/22. The first issue is that CashApp will not allow people to wait on hold and will only allow a call back. However, upon their first call back they played a recording stating they're sorry they missed me and disconnected the call. After my second attempt, upon their call back I spoke with a representative who did not provide their name or identifying information. I explained that my member was the victim of identity theft and I needed an update on the formal dispute I mailed to them. The rep asked for the phone number or email on the fraudulent account. I tried to explain to the rep that a criminal will not put the victim 's real phone number or email on a fraudulent account so I don't have that information. The rep claimed he could not help me. I asked for a supervisor and the rep stated he was unwilling to get a supervisor and hung up the phone. Upon my third attempt and call back I spoke with a rep named XXXX. She would not provide any additional identifying information and would not let me know the rep I previously spoke with. I explained the situation and that I would not have the phone or email listed on the fraudulent account, however that I have formally submitted all the documents required under the FCRA to confirm an account as fraudulent and that CashApp is required to confirm the account as fraudulent upon receiving these documents. XXXX put me on hold for some time and then asked for the XXXX tag on the card. I advised I do not have this information either but I could provide the victim 's address, DOB, or full SSN. XXXX refused to take any of that information. I asked for a supervisor again. XXXX refused to provide a supervisor, but said she would have a supervisor email me back. I provided my email address and advised I would be reporting their company to the CFPB. XXXX did not seem to care about that. I did not receive an email from a supervisor. Instead, I received an email from XXXX asking for the same exact information she asked for over the phone. After all of this extremely unprofessional conduct and blatant violations of the FCRA I decided to file this complaint. I have attached the dispute paperwork that I sent CashApp on XX/XX/22 along with the email that XXXX sent me instead of having a supervisor contact me. I would like CashApp to close down the fraudulent account and confirm it as fraudulent. I would also like these reps to be reprimanded on their conduct and for CashApp to change their shady business practices.

Company response to consumer: Closed with explanation