BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-15
Company: Block, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX my credit card, cell phone, and car was stolen. I reported it to XXXX Police and all of the unauthorized transactions that were made on my Cash app account. Since XXXX I have been going back-and-forth through email correspondence with the Cash app dispute team about the unauthorized transactions that Cash app is refusing to reimburse me for. In the amounts of {$6000.00}, {$1000.00}, {$40.00}, {$40.00} and {$200.00} ( supporting documents attach ) There was other transactions made but I was able to recover payment from the merchants but these are the only five transactions that Cashapp will not support reimbursement for these transactions due to the transactions were made off of the device. Cashapp is refusing to repay me for these transactions because of the excuse that they are using is that the transaction were made off of the device I attach the police report from the authorities to provide proper documentation proving that the device was STOLEN and these transaction are and were UNAUTHORIZED. Also since XXXX my account information has been compromised more than two times and Cashapp had to re-issue me 2 new cards because all the personal information and email attached to my account was changed to the hackers fake email and all my new information was being sent to the hacker email. On XXXX and XXXX Cashapp piped my account because another device was attached to the account which is how the other Unauthorized transactions were being made after the XXXX when the device was stolen. There definitely is a security breach. ( Police report attach ) ive been trying to get this issue resolved with Cashapp and have not had any success due to the fact the dispute department only correspond via email. Cash app also told me to reach out to the people the money was sent to too try and get reimbursed. The problem is my credit card and cell phone was STOLEN. Which is why I call to report this to Cashapp to prevent unauthorized transactions and a big situation from happening but NOTHING WAS DONE. My life savings are all gone. I would like to get paid back the money that was stolen from me. I also have attached emails that I received from Cashapp giving no explanation of Why this claim was denied. Cash app reimburse me for all of the unauthorized transactions that were made prior to these ones and also the ones that were made after these denied claims. I want my money back and answers on how My account was hacked and information breached two more times after the initial complaint was made. My device was stolen, credit card, and car and over total of {$9000.00} was stolen and I still have not been able to get the XXXX reimbursed. I would like a written explanation. I would like to be paid back my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, 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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: DE
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:
On XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 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 consumers character, general reputation, personal characteristics, or mode of living is obtained 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 consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States 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 2020-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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 selected to pay the full statement amount to the credit card in my account. However on XX/XX/2020 the system only charged me {$35.00} which is the minimum payment. And I was charged {$43.00} as interest. Given that I paid the full amount as soon as I noticed the issue, the bank still refused to refund the interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: EQUIFAX, INC.
State: MI
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:
it has been over 45 days since i have sent equifax a copy of my ftc report. my information was stolen and was used to try to obtain goods, and credit in my name. though these attempts were unsuccessful, my credit report is now filled with tons of fraudulent inquires from the attempted fraud. i was instructed by my local police department to file an federal identity theft report, and submit it to the credit bureaus which i did, XX/XX/2020 certified mail by the us postal service. to this day i have yet to received anything from equifax regarding these fraudulent inquires. i will attach a copy of my identity theft report, along with my drivers license, and social security card, for identity verification

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: RAB PERFORMANCE RECOVERIES, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I received a summons from RAB performance and I answered, paid the money and went to court when I received the court date. No one ever showed for this company and the judgement was vacated. It is still pending on my credit file and I am unable to obtain a mortgage. I am a single mom trying to provide a better life for my son. This has stagnated me. I am not even aware of the company XXXX any dealings hence me going to court to find out more. Please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern, this will be the 3rd complaint submitted on this file. The client recently filed a chapter XXXX bankruptcy and since the bankruptcy has been filed, we received information that is concerning to not only the client but the bankruptcy court as well. Complaints were filed with the CFPB on XX/XX/2019 and XX/XX/2019 regarding a discrepancy of the number of modifications the client has already received. The lender was claiming three modifications were received by the client but could not produce any documentation confirming these modifications even existed. A complaint was filed to ensure the CFPB would step in demanding copies of the three modifications the lender stated she received however that was never done. The reason the amount of modifications received was in dispute is because per the client she only received 1 for the life of this loan and in the pooling and service agreement she is entitled to more than one. Per CFPB guidelines the lender needs to exhaust any and all loss mitigation options that would allow the client to keep her home if there is a valid hardship in which there was and still is. Instead of the lender helping her they wanted to increase her monthly mortgage payments to over 51 % of her net income which is clearly not affordable and would cause her to lose her home. That is not a modification by any means. Also, by stating she has had multiple modifications it created a bias with the investors as they were under the impression, she had three already. Per the answers from the complaint filed on XX/XX/2019 and XX/XX/2019 the lender admitted to providing incorrect information and stated the client has only had two modifications. That letter will be attached for your review. The concern at this time is after speaking with the bankruptcy attorney for XXXX XXXX XXXX XXXX XXXX about this issue she requested copies of any and all modifications on the file and the lender confirmed with their attorneys that there has only been one modification given to the client XXXX XXXX since the loan was taken out which again contradicts what the lender is stating and it seems as though the lender has given nothing but false statements to not only the client but the CFPB as well. This is not only outrageous but extremely unfair and against the guidelines of the investor who should be required to assist us with this matter as the lender is solely their responsibility. The investor and the lender should be held fully liable and accountable for the false statements and false information given which not only could cost this client her home but also effected the bankruptcy proceeding as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: CREDIGY USA CORP.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A company I worked for had a business credit card account with XXXX Bank XXXX for 12 years. After 12 years of never reporting this information on my credit report, XXXX reported the account as a charge-off on my personal credit report in XX/XX/2015 without advising me first. I had never even opened the account. The Company paid and closed the account in full and XXXX and their collection agency indicated the information would be removed from my report or showed as Paid In Full with no derogatory information. The account now shows as paid but is reporting as derogatory still despite several calls and assurances from them this would be taken care of. I have exemplary credit besides this and it is impacting my credit. XXXX claims they have reported the information to XXXX correctly yet XXXX has not updated and will not provide any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: WELLS FARGO & COMPANY
State: CA
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:
I have been a loyal customer and account holder with Wells Fargo for about 5 years now. On XX/XX/XXXX, I opened a {$10000.00} secured credit card with them so they took a {$10000.00} collateral from my checking account. Since the day I opened this credit card account, I had paid on time and never missed a payment to this day. I never overcharged the card or went above the limit. In fact, over the past year I never really used the card for more than {$500.00} a month which I would pay in full at the end of each month. 

Finally, after 3 years, Wells Fargo decided to release the collateral and change the credit card account to an unsecured credit card. In XX/XX/XXXX, I received a letter from them stating that they would be depositing the collateral amount ( {$10000.00} ) into my checking account by XX/XX/XXXX. Unfortunately, that's not what happened. I did not receive my collateral by XX/XX/XXXX and they made me run after my money for three weeks for different excuses. Once, the check was lost in mail, another time one of the managers had forgotten to sign the check, and another time they had realized that not been able to deposit the collateral into my checking amount for some mysterious reason. I finally received the check 10 days late and after more than a dozen phone calls and follow ups. 

Furthermore, Mid-XXXX, after my credit card had changed to an unsecured card, I received a letter from the Executive Office of Wells Fargo, stating that " to manage their risk '' they've decided to close my account. I then, called every single department I could speak to, including the Executive Office, but they did not provide me any proper reason to why they closed an account with perfect payment history, no late payments, no high utilization and etc. I Spoke with probably more than 20 representatives and spent more than 24 hours on the phone with them to get an answer, but I wasn't successful. 

I spend 4 years building history and a perfect relationship with Wells Fargo and had {$10000.00} of my hard earned money sitting with them as collateral to make sure that I built history on my credit report and all of a sudden they closed my account for no good reason. This is clearly a discriminatory act by Wells Fargo since I am from the XXXX. I have been a victim of discrimination by this financial institution and want others like myself to be aware of what they did to me. I dont want this to happen to any other lawful XXXX XXXX like myself who work hard in this country and pay taxes like any citizen.

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 2015-12-27
Company: Cottonwood Financial Ltd.
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have advised the Cash Store a few times that I have spoken with an attorney but due to the holidays, I will not hear from him until Monday. Cash Store called me XXXX a day even though they were told by me that I work during the day which is XXXX Monday through Friday. I just started this job on XXXX/XXXX/15 and I am still on probation until XXXX, therefore I ca n't just working to answer their calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: CAVALRY INVESTMENTS, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An affidavit has been provided, all three credit bureaus have removed, the original creditor has let it go, when cavalry bought the debt it was going through a fraud claim, yet they continue. They continue to send some bills stating its verified. You cant verify fraud that has been released by all the credit bureaus, the FTC has report of, cavalry has acknowledged it was under fraud investigation, and the original debtor knew about fraud. Cavalry was reported for harassment by the phone call method in attempting to collect this fraudulent debt. They refused to listen when I told them it was under investigation but insisted I pay now that everyone has let it go they still are attempting to collect on a fraudulent debt. They are sending bills attempting to validate fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: WASHINGTON FEDERAL BANK
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The financial institution is XXXX. 
In XX/XX/2021, the institution decided to no longer provide printed bank statements on accounts, deferring to online statements only. No notification of this change was provided to their customers, at least in a way that was completely transparent. A footnote on the back side of a statement is not reasonable, nor allowing a customer to know they need to take action to change this from being the way the account is being handled. 

At the same time, whether new policy or not, this institution has a policy of charging an " inactivity fee '' of {$5.00} if said account has not had a customer initiated transaction in 6 months. This policy is also not advertised openly. 

So, without any kind of notification to the account holder, this financial institution can drain an account for " inactivity '' effectively seizing the account holder 's funds at a rate of {$60.00} per annum. 

This needs to be resolved by instituting policy that either : 1. Requires a financial institution to treat " inactivity charges '' on an account as " activity '' that then requires the institution to send a printed statement to the account holder, and if there is a " inactivity period '' timer that is being used, the activity of taking an inactivity charge needs to restart that timer.

2. Prevent financial institutions from instituting " inactivity charges '' on accounts entirely.

3. If an account holder elects to have printed hardcopy statements delivered by US mail, that institution can not change that setting on the account without explicitly getting the account holder 's written approval.

This is an exploitive financial institution policy because : 1. This is very likely to most effect elderly citizens as they are less internet savy and may have accounts that they are holding ( like savings accounts ) which they use infrequently to keep their savings.

2. This policy is effecting other customers, such as non-profit XXXX educational institutions which have been prevented from having activity due to the pandemic requiring them to be shut down for externded periods. 
3. Taking fees ( transactions ) from an account without treating those transactions as " activity '' is deceptive and underhanded banking practice.

Simply put, the point of having a banking institution have your bank account is to keep your money " safe ''. If the financial institution is able to take your money without notification and persist on doing so on a monthly basis is not safe for the financial institution consumer.

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 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Convergent Account # XXXX U S Dept of EDXXXX XXXX has violated my rights. 
In accordance with the Fair credit Reporting act Convergent Account # XXXX U S Dept of EDXXXX XXXX has violated my rights. 
In Accordance with the Fair credit Reporting act Convergent Account # XXXX U S Dept of EDXXXX XXXX has violated my rights In Accordance with the Fair credit Reporting act Convergent Account # XXXX XXXX has violated my rights. 
In Accordance with the Fair credit Reporting act Convergent Account # XXXXXXXX XXXX has violated my rights In Accordance with the Fair credit Reporting act Convergent Account # XXXX 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 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 2020-03-05
Company: ENCORE CAPITAL GROUP INC.
State: CA
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:
Midland funding llc # XXXX its refusing to correct their error in my credit because never open any account with then never inquired for a credit! I ask them to probe me when or what happen with this credit card they refused to show probes!! I indicated to then that on 2013 all my documents was stolen and I gave then h police report number!! But they refused to fix the problem!! I NEVER REQUEST OR APPLY for any credit card!! I ask them prove where I used that money or that credit unable to provide any accrue information. Every time that I call to this company ant try to deal they since like they dont care the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a letter on the XXXX of XXXX stating that my account TD Retail Card account number XXXX was past due., I called customer service to advise them that the account was set for auto payment. Unknown to me, when I paid off the previous balance and made a new purchase, I was supposed to re-setup auto payment. I don't care too much about getting a refund on the two amounts I listed on the form, my foremost concern is a late payment on my credit report and the effect it will have on my ability to purchase a house, with I'm in the process now. I need your help in removing this late charge. Their statement states that you can set up a one-time or recurring payment, but there is nothing about doing it every time you pay off the account. 

Thanks.

Company response to consumer: Closed with monetary relief