BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: IA
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:
Ive contacted several times to XXXX XXXX telling them my credit report shows as closed when it is open! Ive even disputed it through the credit report and they just sending information and say it is still closed!

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 2022-12-16
Company: Cedars Business Services, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My husband and I have both received texts and calls from a debt collection agency called Cedars Business Services , LLC. They call from number XXXX ( XXXX ) XXXX. They are saying that an amount of {$130.00} is owed by me ( XXXX XXXX ) to the company named XXXX XXXX, but we've never heard of this. My husband XXXX XXXX and they've a website at the domain XXXX  which claims to be some kind of newsfeed collection and consolidation organization, that we could ascertain anyways. We're not really sure. 

Cedars Business Services , LLC claims that the account was opened up under a very old XXXX account that I haven't had access to in at least 7 or 8 years as I no longer have the password and have been unsuccessful in trying to regain access to the account. I believe the XXXX email account was taken over long ago. Cedars said the account originally owed {$35.00} about 4 years ago and for some reason now owes {$130.00}. However, this can't be possible since, as I mentioned earlier, until now, my husband and I have never heard of XXXX and I've no access to the XXXX account the alleged XXXX account was registered under. 

Cedars Business Services , LLC Reference code for this collection attempt is : XXXX I've told them that this is in error but they've contacted my husbands number and sent him several text messages. So far, it seems that the only identifying information Cedar 's has about me is my first and last name, my husband 's and my phone numbers, which we've both had for at least 10 years, and this old email address. They don't have any other information and we're not going to provide them any other information about us they don't already have as we believe this to be a scam by usenetnl, or simply fraud by an unknown party. 

Lastly, other research into usenetnl found that many people who have tried to use usenetnl found that the services they claim to provide are bogus and they are unfairly representing the services they provide on their website to attract unknowing patrons and subscription services. Quite simply, those that have used it, claim it is a scam and have warned others not to sign up for this. This along with the fact that usenetnl is not a well known brand in the US, is another reason that leads us to believe this is a fraudulent collection attempt by XXXX via Cedars Business Services , LLC. 

Known Scam Link 1 : https : XXXX Known Scam Link 2 : XXXX XXXX XXXX  Known Scam Link 3 : XXXX : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: LA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-16
Company: EQUIFAX, INC.
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Block, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Signed up for Cashapp, which is a XXXX company, in XX/XX/2022. My very first transaction using this service was fraudulent, so I filed an issue that the person who I'd sent money to had defrauded me. 

It wasn't much money ( {$30.00} ) but that is a poor way to start off with a financial services company so I contacted them and asked them to close my account, specifically because I don't trust them with my banking info. 

XXXX/CashApp has failed to delete my personal information even though I've requested them to. In addition, the only way to deal with them is through the app, which I will not reinstall because I do not trust them, or to deal with them through various social media platforms, which I don't use, either.

I am thoroughly convinced that CashApp 's sole purpose is to facilitate fraud. Not intentionally, but its poor procedures and terrible customer service have made this company a fraudster 's paradise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Block, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I opened a dispute with Cashapp on XX/XX/2023 due to finding out that I was being scammed. Cashapp denied my dispute in XX/XX/XXXX claiming that services was fulfilled and they were not. I was promised guaranteed approval by getting my credit fixed if I paid {$1500.00} and I never received those services. I disputed it twice with cashapp and they will not give me my money back even though I have submitted a lot of evidence of me clearly being scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In the month of XXXX, I deposited two checks in my Chase Bank checking account, one from XXXX XXXX, and the other from XXXX XXXX XXXX, companies for which I provide my services. Chase reported both transactions as fraud, 4 days after the check was not cashed, I called Chase consumer services and they notified me that the account was on hold, because fraud was presumed since the check was handwritten. I explained to them that those checks had been paid to me for my work. They asked me for the security numbers of the company that issued the check, my boss called Chase and confirmed that his company had issued that check, but the bank still has my funds frozen, harming me financially since that money is the product of my work. I have called the Fraud department approximately 6 times and additionally I have personally gone to the Chase office in XXXX, XXXX and I still have not received a response on this matter that affects me a lot. It is worth noting that the company issued several checks by hand and none of my colleagues had any problems.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: LA
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:
Please attached document This item is inaccurate because the CARES Act provided protection to consumers who were affected during the COVID-19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
After an initial agreement to pay on XXXX I contacted to company to arrange to automatically withdraw a set amount. They failed to collect so I reached out once again to make sure they were automatically charging my account monthly. I was assured I was set to pay automatically and told my first payment was processing. I never received a charge to my account and no attempts to contact me were made. Yesterday ( XXXX ), in an address that is mistakenly connected to me, my father received mail that revealed debt information and that they were proceeding with a XXXX. XXXX. against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Paypal Holdings, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a debt collection letter from XXXX XXXX XXXX, XXXX for a debt that does not exist. The letter stated that they were collecting a debt on behalf of PayPal. 

I know that I have no account in arrears with PayPal. I contacted PayPal customer service. They verified that not only do I not have debt in which they are attempting to collect, the account number provided by the debt collector does not exist in their system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
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:
I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 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 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 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 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

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 2023-07-26
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home in XXXX XXXX in XX/XX/XXXX. My loan has been " sold '' several times. My current Lender, Fay Servicing, has had my account since XX/XX/XXXX. I asked for a payoff statement. They can not provide this to me. Fay Servicing said the only account information/payment history they have starts with the day they began to service my loan. They claim to not have any information from any previous lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am writing to express my disappointment and frustration with a recent experience involving Chase 's new " My Chase Plan '' service. 

On XX/XX/2023, I inadvertently enrolled in the " My Chase Plan '' service for a charge line amount of {$6000.00}, with the transaction date being XX/XX/XXXX. My intention at the time was to explore this new service, as I was curious about its features. However, I quickly realized that the navigation process lacked the option to revert to previous steps or cancel actions. This unfortunate sequence of events led to my unintended enrollment and subsequently, a fee of {$31.00} was charged to my account as of the XX/XX/XXXX month closing statement date. 

Understanding the gravity of the situation, I promptly reached out to Chase customer service within minutes of my accidental enrollment in " My Chase Plan. '' I conveyed to them that I had mistakenly chosen this option and kindly requested its cancellation. It is important to note that this transpired shortly after XXXX XXXX  XXXX XXXX. I immediately provided evidence of my actions, having taken a screenshot of my selected option, clearly indicating that my request to avail the " My Chase Plan '' option was under review. The status displayed as " in-process '' at precisely XXXX XXXX. 

In my plea to customer service representatives, I emphasized the urgency of my situation, beseeching them to revoke the unintended enrollment and eliminate any associated fees. To ensure absolute clarity, I executed a full payment of {$6900.00} on XX/XX/XXXX at XXXX XXXX, two days prior to the due date. This payment included the {$6000.00} charge, effectively nullifying my initial request to utilize the " My Chase Plan '' service.

I am reaching out to you with the hope that this matter can be resolved amicably and in a manner that maintains the trust I have in Chase as a financial institution. It is my sincere belief that a fair resolution can be reached, wherein the erroneous fee is waived and the accidental enrollment is rectified.

In my opinion this is very deceptive and fraudulent scheme to fool unsuspecting customers. If they don't make any amends to this, i'm sure more customers will be impacted by this deceptive practice and lose trust with this company and financial institution as a whole. 

I appreciate any attention to this issue and anticipate a favorable resolution. 

Regards, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I sold my XXXX XXXX  XXXX XXXX  to we buy any car in XXXX, fl and they gave me paycheck amount for {$4500.00} on XX/XX/XXXX. Chase bank approve day check deposited via their mobile app on XX/XX/XXXX. They sent me an email about it. ( See screenshots ) they said it will be available on Friday XX/XX/XXXX but then they put ahold on my checking account again saying the money wont e deposited and my account is restricted so i can not use my debit card because check can be altered. The number to call for car group holdings is invalid not in their system they do XXXX search etc and they tried several numbers so they don't know if they can verify the check but i called number on check spoke to the woman and got her personal sell chase bank refused to call them number or the lady that works for car holdings group XXXX to verify check. I need that XXXX to buy a car i have XXXX kids under XXXX and we separately need a car worse is I cant use my chase checking account or debit account. Can you please rectify this situation and help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
Company: Experian Information Solutions Inc.
State: TX
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 received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

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 2023-06-01
Company: Experian Information Solutions Inc.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-16
Company: Rauch-Milliken International, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I used to own a XXXX  called XXXX XXXX. I sold the XXXX well over XXXX years ago. 
XXXX soda is coming after me for a debt that I was not responsible for. The debt is around {$1000.00} and was incurred after I sold the XXXX. XXXX claims that I did not complete the paperwork to remove my name. I completed the paperwork and gave it to my representative. I do not have a copy of my paperwork since it was so long ago and they are trying to come after me for something that happened XXXX years ago. 

Their attorney XXXX XXXX pulled my credit without my permission. 

The person that contacted me is XXXX at ( XXXX ) XXXX case number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Back in XXXX, my credit card was lost or stolen and several fraudulent transactions posted to my account. I contacted customer service to report the fraud charges for investigation. I was told that the credit card was being closed and a new one would be issued. After the investigation was completed, the fraud case was ruled in my favor and the transactions were reversed causing a credit to my account of {$2400.00} since I had made a significant payment to my account prior to the fraud. When I received the new card, I was able to activate it but it would not work when I tried to use it. I contacted customer service and was told that that card had been reported lost or stolen. I could not understand how a brand new card would be reported lost or stolen. I was told that another card would be sent out to me. When I got the other card, it was the same outcome. I was able to activate it but it would not work when I tried to use it. I called customer service and was given the same explanation that the card had been reported lost or stolen and that a new card would be sent out to me. After receiving the 3rd card, I activated it and had the same outcome. Please note that each card number was different. On XX/XX/22, I called customer service and requested an electronic refund of my credit in the amount of {$2400.00}, an issuance of my cash back rewards in the amount of {$120.00} and closure of the account. It seems that the account was closed before the refund of my credit and cash back rewards and I am being told that the account can not be found. At this point, I have been waiting several weeks for access to my own funds. The credit and cash back rewards are my own funds. The credit is due to a payment made and fraud charges being reversed, and the cash back rewards was monies I earned through purchases. My original credit card number upon opening the account was XXXX XXXX XXXX. I have attached for your reference the other two cards that I received that were successfully activated but did not work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-01
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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have attached an FTC report with 2 collections and inquiries I did not authorize and are fraudulent, please delete 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 non-monetary relief