BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-30
Company: Denefits LLC
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:
XXXX is killing me. I have been trying to work on my credit to purchase a home and XXXX keeps doing investigations on files that aren't mine and verifying them. After this complaint, I am filing a lawsuit as well. I had to make this complaint first. If they don't take these errors off my report we are going to court. I am getting seriously hurt trying to purchase a property. 
Also, I have had an experience with a Credit Repair Agency through all of this. XXXX XXXX has been paid exorbitant fees of over {$3000.00} and is still trying to debt collect from me. They are relentless in trying to hurt me as well. 
Can You Help Me Please?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Ongoing Issues due to identity theft. Please see attached FTC Report attached!

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 2022-08-03
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was put under duress during our conversation. On multiple occasions during the 1 hour and 44 minute conversation I was crying. I was told that my credit would suffer, my credit worthiness wasn't worth this, that my wages would be garnished, I had had multiple letters sent to me ( not true ) I had money from other accounts I can pay the debit with, I need to spend my money wisely and pay the debt I owed, they believe I have money to pay the debit .... etc. They were looking at my credit report, my past jobs, any information they could use to psychologically make me feel like a piece of XXXX for not paying the debit card. I offered them what I had because I was in fear of wage garnishment and lawyer fees. They wanted more and made me decide right then if I was accepting the offer. I asked repeatedly for time to think and the transcripts of the conversation and was ignored. I called the company today to request transcripts of the conversation and was told I would have to sue them to get transcripts and when complaints are filed they use the notes to respond. The notes are skewed in favor of the company and I want the transcripts so that it can be understood what happened and why I believe I was bullied, XXXX XXXX, harassed and tricked or scammed into accepting " a deal '' while under duress. Any company who makes someone make a decision under duress, in fear, and without being able to think about it first is using psychological warfare and it is criminal to use these tactics.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03
Company: SERVICEMAC, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our previous mtg company sold the acct. to ServiceMac ( XXXX, GA ). Service Mac with no notification decided to put an escrow acct on the mtg. In 44 years, I have NEVER had an escrow acct. Insurance and taxes are paid in full one time annually. I spoke to them in XXXX and was told to file an escrow waiver application which I did in XXXX by US Mail, on line and by e-mail. I was told to call back after XX/XX/XXXX. Then I was told to call back in XXXX, but since it was expedited I would hear by XX/XX/XXXX. Meanwhile I have been getting letters in duplicate saying that I need to pay extra each month due to what they believe will be a " shortage '' of funds for insurance/tax payments. ( 0 monies are owed ). 
This is a case of overcollecting with a misappropriation of funds on their part. 
I have spent hours trying to resolve this error for something I do not need. Their response is to say it is " expedited '' and with their " advocacy '' group and nothing happens. 
I can not pay the correct amount on line as the wrong payment amount is hardwired in the system and does not allow me to change it. I already have paid this month 's mtg with the additional funds because the system won't allow me to do otherwise.

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 2022-10-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have attached a copy of my credit report. None of the HARD IMPACT inquiries were made from me. I don't live in Michigan so I could not of tried to open any type of loan there. They were all done on the same day XX/XX/XXXX I think. Please look at the report I've attached and get these removed. I don't need these on my credit report. I'm trying to bring my score up and work to get the bad impacts removed. I need this done please. I don't reside in Michigan so I don't know who did this.

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 2022-10-25
Company: Block, Inc.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Someone created a Cash App XXXX using my personal information. The fraudulent XXXX  is " $ my first name my last name ''. There is not another person on earth with my name. People have tried sending me money, using this fraudulent XXXX  account - thinking it belongs to me. This is not an account that i previously created. It is associated with an email address that i am unfamiliar with. I have tried desperately to access the funds sent to this fraudulent account. And have tried hopelessly to work with the business 's support team to have the issue rectified. Because i do not know the full email address associated with the account, nor do i have access to the phone number associated with it, nor can i recite the associated debit card on file under this fraudulent account handle, i am unable to access these funds. Including a wire sent as recently as XX/XX/2022 at around XXXXXXXX XXXX. XXXX for the amount of {$60.00}. In addition to retrieval of these misdirected funds, i would like for the company to close out this fraudulent account so that payments do not continue to be misdirected to this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Nelson Cruz & Associates LLC
State: DE
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:
XXXX XXXX XXXX has been notified by certified mail regarding inaccurate information reporting to my credit report i have contacted merchant as well as XXXX XXXX requesting validation of debt bearing my signatures and dates i do not recognizes these accounts and demand they be deleted immediately per FCRA and FDCPA you are violating my rights and the law 1 ) XXXX  -late updated AUTO PAY NEVER BEEN LATE 2 ) NELSON CRUZ -DELETED UNKNOWN ACCT In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose NO UPDATES TO DISPUTES NOTES MADE TO MY REPORT DELETE AND UPDATE XXXX ACCT NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: FIRST ADVANTAGE CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Greetings, I have applied for multiple jobs in the past 4 months. In XXXX of XXXX I was granted XXXX  XXXX  in the State of Texas for a previous charge out of XXXX XXXX, Texas where a judge in XXXX had XXXX  me to XXXX XXXXn. I received a report from First Advantage, and I have also received a consumer report from XXXX XXXX indicating the XXXX  with a disposition of a sentence imposed including the deferred adjudication however the consumer reports are no loner correct. Under the Judicial Clemency statue in the State of Texas, a person is no longer held responsible or penalized for the formerly imposed sentence. Public records may only indicate that this was an XXXX  and no longer imposed as a sentence. Consumer reporting agencies have a responsibility to report information especially criminal records properly because it can have a drastic effect on whether a potential employer or creditors would choose to do business with the person. The records aforementioned are not correctly reported and need to be corrected. I have a copy of the orders issued by the Judge in this case that updates it however, it should be a responsibility of the consumer reporting agency to accurately obtain and report the information since the order issued by the Judge would be a public record. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, 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:
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 XXXX has me at a score around XXXX. 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 severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: ROBINHOOD MARKETS INC.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Robinhood has restricted my spending account, completely cutting off access to my direct deposited social security XXXX payments. This happened less than a day after my funds were direct deposited ( Friday, XX/XX/XXXX ). 

No one at Robinhood will tell me why the accounts were restricted, or how long it will take for the restrictions to be lifted. 

I have furnished them with XXXX photos of the front and back of my social security card, bank statements, selfies, and other documents. 

I am XXXX and unemployed, and have been cut off from every penny I have. Robinhood support has been abysmal, and has refused to give me any relevant information or relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX has violated this law because this late payment had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on XXXX and TransUnion. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX  has violated this law because this late payment had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on XXXX and TransUnion and is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX has violated this law because they furnished this EXPERIENCE to XXXX because they realized that the information is inaccurate, but it is still reporting on XXXX and TransUnion and XXXX didnt give them permission to do so.

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 2022-10-25
Company: EQUIFAX, INC.
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:
Credit Bureaus have information on my consumer report that I'd never authorize. I've sent in numerous FTC reports to each ( Equifax, XXXX XXXX XXXX ) However they are conducting an investigation due to the erroneous items allocated. Creditors such as ; XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX Violating my Consumer RIGHTS each creditor has failed to provide my right to privacy 3-disclosures under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT-OUT. It also violates Gramm-Leach Bliley ACT which is enforce for all Financial Institutions to protect the consumers information.

Having the right to do so, unfortunately creditors believe that it's somehow law to furnish your information to a 3rd non-affiliated party without your permission. That is indeed Fraud & Identity Theft sharing or using someone's information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home on XX/XX/XXXX with XXXXXXXX XXXX ; property located at XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX filed a security deed with XXXX XXXX XXXX XXXX of XXXX XXXX, Georgia stating with my name on it stating that I took out a loan in the amount of {$130000.00}. My name was forged on the security deed and I did not borrow money from XXXX XXXX  XXXX of Georgia. My name is not on the Loan Repayment Agreement and I did not sign any mortgage documents pertaining to the above referenced loan. 

Fay Servicing started servicing the loan in XXXX of XXXX and is using the fraudulent security deed to foreclose on my property. Fay servicing also has placed the debt on my credit report. I have reached out to Fay Servicing to resolve this issue several times to no avail. I've attached a copy of the above mentioned security deed, loan repayment agreement ( proving that I am not on the loan ) and an affidavit I filed with the XXXX XXXX XXXX XXXX of XXXX XXXX, Georgia stating under oath that I did not sign the security deed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by a third party who asked me to call another number or legal action may be taken against me. They said they are a debt collection agency of XXXX XXXX XXXX. I explained that this debt is not mine and based on their information it it past the statute of limitations for the state of Arizona. They said Bank of America had provisions in the contract that extends it to 10 years. I believe this is False information. I have not received any paperwork in the mail verifying the debt. Per the attached paperwork the account was closed in XX/XX/XXXX and they claim my last payment was in XXXX. Either way it is well past the statute of limitations.

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 2022-10-25
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I'm having problems with my direct Express it was hacked twice this year. The first issue was resolved. The second issue I waited a month to hear that my claim was denied for fraud. The XXXX  would not give me her customer service number but her name is and she was very rude. But all in all they said that I'm responsible for these charges made in XXXX New Jersey I live in Texas, the total charges this time was {$150.00} and a little change. But they did not even contact me while I waited for their decision when the decision was made I had to call them 3 days before the day they said the decision would be made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-05
Company: Tower Loan of Mississippi, Inc.
State: MS
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602States I have the right to privacy.

15 USC 1681 Section 604 A Section @ : It also States a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: VW Credit
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
I leased a XXXX VW XXXX in XXXX of XXXX for XXXX years. I clearly communicated that my intention would be to purchase the car at the end of the lease, and I was told that I will probably change my mind. I disagreed in passing, and we moved on to complete the lease paperwork. While signing the paperwork, I was verbally offered an excess wear and tear package that would repair up to {$7500.00} dollars worth of damage for {$800.00} that would be added to the lease. I accepted the package. 

The lease reaches maturity in XX/XX/XXXX and I recently had the car inspected at the end of the lease- fully expecting to have any repairs settled via the excess wear and tear package prior to the end date of the lease. There were a few dings for which the estimated total is less than {$700.00}. I called VW to utilize the package I purchased with the lease, but was told that since my intention is to purchase the car, I can not take advantage of the package they sold me for {$800.00}. My complaint is that this package was sold to me by a salesperson who was clearly informed of my intention to purchase the car, knowing I would not be able to use it when I went to purchase the car, and without explaining that it can't be used while the car is still under lease. This feels like a clear bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Block, Inc.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We opened a credit card processing service account with XXXX on XX/XX/XXXX. 
We provided all business documents including Federal Tax ID, Bank account, Certificate of Formation to validate our business. On XX/XX/XXXX, I received an email stating our account has been deactivated anf funds will be held until XX/XX/XXXX. At the time of deactivation, we had a balance of over {$170000.00}. We were told to refund all transactions and process customer payments with another service. {$130000.00} of the {$170000.00} had been shipped and delivered to customers, making it impossible to reprocess orders, as they exceed XXXX transaction. We did refund approximate {$35000.00} to customers for orders that had not shipped. We have an outstanding balance of {$130000.00} which XXXX refuses to release. After the 90 day " hold period '' passed, an email was received on on XX/XX/XXXX stating the funds hold would be extended until XX/XX/XXXX. Then we received another email on XX/XX/XXXX stating funds would be held until XX/XX/XXXX. 
An email was received indicating the funds would now be held until XX/XX/XXXX. 
There has been no logical reason to hold our funds for this timeframe. There are tens of thousands of other complaints detailing the exact same online, better business bureaus and much more. There is only XXXX phone number to call, which can be routed to location through out the world. I have made at least XXXX hundreds calls, speaking with a person, that can not transfer any calls, or provide contact information for the appropriate person or department. I have laid-off XXXX employees the first week of XX/XX/XXXX as our funds have deminished to the point of being inoperable. 
The only acceptable resolution is for all funds be released immediately. 

XXXX XXXX support : XXXX ( XXXX ) XXXX Square Headquarters : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX

Company response to consumer: Closed with explanation