BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: Block, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/22 at XXXX my account was hit repeatedly by several websites, which drained my account completely of all funds. That did not stop the attempts by at least three websites I have never done business with to keep trying to pull money out. The way In which the money was repeatedly attacked and the fact these were from online sources point to something suspicious obviously happening. After several attempts to contact cashApp to stop this and alert them of this fraud, I had no success as I couldnt contact anyone until the next day. As of today they launched an investigationsaying nothing suspicious happened and will not be refunding me this cash. I find that their security measures appalling and inadequate to protect their customers. The number of times they tried to hit my account for more money after they had drained it, my powerlessness to alert cashApp of this as it was happening and their unwillingness to investigate more logically makes me feel like a victim to this corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In Accordance with The Fair Credit Reporting Act XXXX  Accounts # XXXX  has VIOLATED My rights. 

1. XXXX XXXX Acct # XXXX 2. XXXX XXXX Acct # XXXX 3. XXXX XXXX Acct # XXXX 4. XXXX XXXX XXXX XXXX Acct # XXXX 5. XXXX  XXXX Acct # XXXX 6. XXXX  XXXX Act # XXXX 7. XXXX Acct # XXXX 8. XXXX XXXX Acct # XXXX 9. XXXX XXXX XXXX  Acct # XXXX 10. XXXX Acct XXXX XXXX 11. XXXX XXXX Acct # XXXX 12. XXXX XXXX XXXX Acct # XXXX 13. XXXX XXXX XXXX  Acct # XXXX 14. XXXX Acct # XXXX 15. XXXX Acct # XXXX 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 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 2016-03-29
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
this account is pulling my credit score by being on my credit. please remove this account from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: WLCC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XX/XX/22, I sent a XXXX XXXX XXXX to Initiate Electronic Funds Transactions to Explore Credit and can confirm that they received the document ( attached to this complaint ). On XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, and XX/XX/22, Explore Credit debited {$130.00} each time from my bank account. I never authorized these transactions or rescinded the XXXX XXXX XXXX to XXXX XXXX Funds Transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
WELLS FARGO has been very uncooperative and has caused a lot of problems for several business and myself. 

Any reasonable and ethical company would have provided assistance in clearing up my title when they were made aware a customer had a problem, but not Wells Fargo. 

It is obvious from the documents uploaded and numerous letters from Wells Fargo refusing to provide assistance in the matter of my title that XXXX does not know how to provide proper and competent customer service..

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 2022-10-27
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was supposed to get XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told this office helped XXXX XXXX with community care service.The day I went there XX/XX/2022 I was put under anesthesia a temporary loss of control for medical purpose.I was told to sign a paper for the work to be completed so I signed not knowing this was a credit care application for credit until I received a bill in the mail telling me I owed {$15000.00} I was very upset.I did not go back to this dentist and I contacted care credit/synchrony bank in XXXX, XXXX. to complain and try to explain to them about what had happened.

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 2022-11-18
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: Account information incorrect

Complaint:
In XX/XX/2022 I received a notification from Experian and XXXX that a late payment was reported by XXXX to my credit report. I reached out to XXXX after I've checked my bank account to verify they have received payment on time which they did. XXXX said they can't do anything about it even though I have proof on time payment. I filed a dispute with Experian and XXXX and they both said they can't do anything about it despite having solid proof that payment was made and received on time.

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 2022-11-18
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2022 {$410.00} Best BuyXXXX XXXX Received email indicating a debit of the above amount was going to be debited from my account.

I called Best Buy and this is a scam as I have never enrolled in the XXXX XXXX XXXX from Best Buy.

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 2022-11-19
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing received full payment for XXXX on my up-to-date mortgage account ( attached SLS statement - XXXX ) on XX/XX/2022. 
Today I called and asked why there is {$83.00} late fee ( see attached XXXX ) and found out about the unauthorized changed status of my loan on my account, and after complaining that I never authorize any changes to my loan, SLS representative agreed it was a mistake. 
I did not and do not want loan modification, and did not sent any documents saying otherwise. Somehow without my permission they applied my payment to a new modified loan that they chose for me and decided for me. 
This company changes documents as they please and ignores on-time payments. 
I hereby again state that I DO NOT WANT LOAN MODIFICATION AND AM HAPPY WITH MY 3.3 % monthly mortgage rate. 
I DO NOT WANT ANY LOAN MODIFICATION.

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 2022-11-18
Company: Experian Information Solutions Inc.
State: CA
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 sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX  XXXX XXXX Balance : {$3300.00} ; XXXX XXXX  XXXX XXXX XXXX : {$7300.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX XXXXXX/XX/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 2017-03-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Opened a merchant account with Wells Fargo years ago, however, was not expecting the myriad of fees to follow to include a {$10.00} fee for not checking my account online monthly, a {$25.00} fee for non-compliance although I stopped using their service in XX/XX/2016, and a {$35.00} minimum fee whether I process transactions or not. Was recently told that the cost of canceling this account is {$500.00} which I do not have. Their service is also extremely complicated and redundant as I have to log into several seperate sites to maintain my account ; compared to the other third-party service that I currently use which is much less costly and a lot less complicated. My business checking account is currently overdrawn because of the {$25.00} non-compliance fee ( and subsequent NSF charges ) that they recently added, then took away, then added again although I do not use their merchant servvices. I was leaving enough funds in my account to cover the {$20.00} basic ( agreed upon ) merchant services fee, however, they have de-activted my debit card preventing me from making ATM deposits.

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 monetary relief
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
XX/XX/2022 i XXXXXXXX XXXX XXXX call the credit company experian and spoke with 3 agents there. I explain my situation. Asked the first agent is he familiar with the provicey laws and he stated yes.i then asked did he know that it is illegal to sell, submit information that inaccurate the agent XXXX stated yes so I ask why did your company sell my information, submit inaccurate information that we can both see which is open dates and closed dates that don't match 23 different ssi numbers on my account address that experian want allow me to take off when is clearly shows its wrong! ..please request their records of our conversation and you will clearly here the agent XXXX state that they don't erase anything off accounts if the company that reported is a good source also they can sell information to other companies. Agent over talked me and told me lies hung up on me another agent clearly in the recording that he see the wrong thats done, I asked that he submit a complaint, he did but .but tried to make the complaint out as someone was using my account fraud and that wasn't the case it was experian that was doing the above mentioned also not I put in a complaint, and they telling me that I don't get a complaint ref # so how would I follow up???? if u can request the complaint I submitted yesterday XX/XX/2022 I've called fussed asked for proof, and received nothing.i was also told to not call experian cause they can't do nothing its not there problem call vendors .wow this is how I get treated by trying to fix my credit

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 2021-09-25
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2021 I sent Equifax, XXXX, XXXX a dispute letter about XXXX Account # XXXX violation of 15 USC 1681b ( 2 ) 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I DID NOT GIVE ANY CREDIT BUREAU WRITTEN PERMISSION TO REPORT SAID ACCOUNT ON MY CONSUMER CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: Specialized Loan Servicing Holdings LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan servicing was transferred from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX to Specialized Loan Servicing , LLC, effective XXXX XXXX, XXXX. This was stated in a letter from XXXX dated XXXX XXXX, XXXX. My understanding is that I was to have received notice from Specialized Loan Servicing as well at least 15 days before the transfer. However, as of today, XXXX XXXX, XXXX, I have received no communication from my new servicer. 

I called Specialized Loan Servicing today. After a 15-minute wait, I spoke with a woman who was very polite and helpful with information I asked for -- she gave me my loan number, confirmed the payment address, and said I should be receiving a " welcome packet '' in XXXX to 8 business days. I do n't require any action at this time. However, I thought it important to point out that the company did not meet the notification requirement for a loan servicing transfer.

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 2020-11-11
Company: EQUIFAX, INC.
State: NJ
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:
XX/XX/XXXX I sent in a dispute letter to XXXX XXXX XXXX and all 3 credit bureaus and didn't receive a response in over 35 days. On XX/XX/XXXX I sent a second dispute letter to XXXX XXXX XXXX and Equifax credit bureau regarding a collection/charge-off that was opened in XXXX. Equifax is still the only credit bureau listed on my credit report while XXXX and XXXX has since deleted this collection/charge-off from my report the first time around. It is well over 30 days again and the account still has hasn't been updated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am a senior citizen and due to a financial hardship have been trying to obtain a loan modification on my mortgage. I started the process with SLS servicing an agent for XXXX XXXX mortgage on XXXX XXXX. I submitted all required documentation. I have made at least ten calls and was told it was submitted to the underwriters. Today XXXX XXXX I was told that I need to resubmit a XXXX page application all over again when it was already submitted on Novemmber XXXX. It seems they are delaying the process for some reason. I am extremely frustrated. I can not get any satisfactory response on the status of my request.

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 2022-11-18
Company: Experian Information Solutions 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:
XX/XX/2022, I reached out to the courthouse and asking do the company report bankruptcies and if so to whom. The response that I got from multiple communications was that they don't report bankruptcies to anyone or any agencies. So if that is the case, how did the credit bureaus edify my bankruptcy as a 100 % accurate? They never did a investigation as to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtain through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly form a creditor of the consumer or from the consumer.

They also violated my rights numerous of times. The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

According to : 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, According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I never paid this credit card late. There are dates that the credit said I've paid late which is inaccurate. This is an error and I want this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
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 am a victim of identity theft. I would like to request that the following account XXXX  Account # XXXX be blocked and removed from my report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2015-04-20
Company: Cadence Bank
State: MS
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Hello, I am disputing the charge of {$1000.00} charged on XXXX XXXX, 2014 by merchant XXXX XXXX with my bank ( Bancorp South ). For detailed information please refer to the attached document. 
Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Glasser and Glasser, PLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The person asked for my social number and I informed here that I had fraud on my social security number and was notified by IRS that someone tried to file on my SS # to get my a refund, I said that I received many calls for XXXX XXXX and for debt, I gave the woman my phone number, and that was all that I can get per the talking to my lawyer and the that I filed a police report per the IRS and that I was notified not to give information. I ask what can give. I explained that I worked for a bank, XXXX XXXX XXXX XXXX why have have not sent me a letter and that they kept kept bring up their lawyer and why Not letter from a lawyer. Please help me. I am XXXX and Ill health. The money I used on my credit cards was for my medicines due to poor health and food being a XXXX XXXX XXXXXXXX. Also, they have my social security number but it was stolen thru my mail XXXX who was arrested. So having my SS # does not justify it to be my account. The women kept bring up that they were a law firm and part were filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: EQUIFAX, INC.
State: MD
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 HAD AN ACCOUNT WITH  XXXX  AND PAID IN FULL. The write-off is the only derogatory information and it is FALSE.     After some investigation I found out that the owner of the account had a very bad accident back in the fall.  XXXX  totaled out the account but there was a dispute over the value of the car, the amount of gap insurance, and a deductible. I could not get much more information because IT IS NOT MY ACCOUNT.     I have also reported this to my state 's consumer protection board. This has wiped more than  XXXX  points off my account. IT IS INACCURATE AND fraudulently reported as failure to pay car payments but it is because they did not receive an amount from  XXXX .  XXXX  decided to falsely report it as missing payments instead of taking up a dispute with the borrower, the insurance company, and THEY WO N'T REMOVE THIS DISROGATORY INFORMATION. They never contacted me because it is not my account. I have never lived at  XXXX   XXXX   XXXX  and have not lived in CT for more than 10 years.

Company response to consumer: Closed with explanation