BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX XXXX, 2022 I attempted to purchase a XXXX XXXXXXXX kitten from what I believed to be a breeder for {$850.00}, which seemed reasonable at first. Once the transaction completed, I expected to be able to pick her up, but received a notification that I would not be allowed to pick her up and that I needed to I pay an exorbitant fee, some {$1600.00}, to have her flown to me first class. That seemed wrong, but I was mourning the recent loss of our former, beloved cat and was not thinking straight ; I was also already {$850.00} into the transaction. I was told most of the payment would be refunded as part of a rental service, so I attempted to complete the transaction. It was blocked by Cash App, so I tried a few other methods, all of which were blocked, which lead the party requiring additional payment to request it in terms of XXXX or XXXX gift cards sent via XXXX XXXX. That was a resounding red flag, and I immediately contacted my bank and Cash App to recover my money. Despite many attempts to recover my money, Cash App has persistently refused to refund it claiming they are a peer-to-peer cash transfer service and not a payment service, and thus can not be held accountable for fraud on their platform. Such policies have allowed these scams to run rampant on their platform, wreaking havoc on families such as my own. {$850.00} is a significant amount of money to me. They said all I could do was request a refund from the seller, which a scammer would clearly ignore, but to play their game I requested one and was unsurprisingly rejected. Cash App has refused all further attempts to recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: TX
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:
I am demanding that the credit reporting agencies stop reporting the account XXXX XXXX for inaccuracy - the payment history is inconsistent, and different account numbers are being reported XXXX, XXXX, and XXXX. How is this accurate when all data furnished should be the same? Why are there different account numbers for the same account and why are there are a variation of different late payments reporting? I also contacted the original creditor, and they could not verify that this account is reporting accurately. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my credit report. I have already sent letters months ago so I am requesting that this is deleted within 15 days, or I will be moving forward with contacting the registered agent and filing litigation. Attached is my credit report showing the inaccurate information reporting on my credit report.

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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XX/XX/2022 I sent Transunion, XXXX and XXXX XXXX return receipt letters demanding removal of accounts because they are not % XXXX accurate, verifiable and timely I have the right to challenge pursuant to Pursuant to 15 U.S.C. Section 1681i ( a ) From my understanding if they can not provide proof of the original contract, if it is not 100 percent accurate and timely reported within 30 days these accounts must be deleted. 

The accounts below have not been deleted and are inaccurate and I have also noticed that information has been added reporting a wrong name and address that I have no affiliation to and none of the information is correct with all credit bureaus. 

XXXX XXXX XXXX XXXX HAS NEVER BEEN MY ADDRESS XXXX XXXX IS NOT MY NAME XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX {$0.00} balance XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX {$920.00} and XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX {$970.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX {$0.00} XXXX XXXX XXXX XXXX, XXXX GA XXXX {$680.00} XXXX  XXXX XXXX XXXX, XXXX, FL XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX {$350.00} XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX NV XXXX {$850.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX {$1400.00} I demand the following accounts, addresses and names be verified or removed immediately .

I also want an updated credit file, who accessed my credit file, the results of the investigation all mailed back to the correct address. 

Please remove all accounts because they are still not accurate pursuant to 15 U.S. Code 1681g and 15 U.S.C. Section 1681i ( a ).

Thank you, 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 2023-03-20
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
IRS held funds from consumers tax return in XXXX  and used the funds to repay student loan Dept to US Dept of Education in the full amount of over {$5000.00}. Information is still showing on all credit reporting sites. 


Please delete adverse information and accounts from consumers reports!

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 2023-03-20
Company: Experian Information Solutions Inc.
State: NC
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: Was not notified of investigation status or results

Complaint:
I submitted disputes on the following dates XXXX XX/XX/XXXX to Experian, XXXX XXXX and XXXX in reference to the Public Record reporting inaccurate data on all 3 of my credit reports. No response has been sent to me via usps postal services or via email. they are in violation of my FCRA rights. no proper investigation was done. 

Bankruptcy ( PUBLIC RECORD ) Date Filed/Reported XX/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 explanation
Consumer complaint received 2023-03-20
Company: Synovus Bank
State: TX
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:
First progress keeps charging me late fees when i call them & make a payment. I haver so many $ XXXX {$43.00} Late Fees thats been assesed to my payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ
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:
Spoke with XXXX XXXX XXXXXXXX, who confirms that there is no fraud on my account, only unemployment and unemployment have the account in closing status due to inactive activity, with {$1.00} in the account. XXXX XXXX XXXXXXXX is flagged on my Chex Systems account, marked as fraud which is incorrect. This is a violation of my privacy and defamation of character that caused me to be denied a banking account with 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 explanation
Consumer complaint received 2023-03-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have just been informed that I can not open any bank accounts. I have not been involved in any fraudulent matters pertaining to any bank account!! Please please please help me out with this matter

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 2023-03-20
Company: Financial Asset Management, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/XXXX  Check City agreed to waive the underlying balance on the Account, close the account, and not pursue collection of the Account. Moreover, Check City agreed to request the deletion of any tradelines for the Account reported to any credit reporting agency. 

XX/XX/XXXX Check City called in regards to the same debt collection after they agreed to no longer contact me about matter that has been resolved. 

XXXX/XXXX/XXXX  Check City called again harrassing me in regards to same debt, attempting to collect, after I repeatedly told them to stop calling. Check City violated terms of agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Wells Fargo isnt working with me to get my bank to refund my check that was fraudulently cashed to pay my rent and they are becoming compliance with who cashed because they refuse to check the case and refund me my money I am being charged additional from my landlord and not helping me with a solution

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 2023-03-20
Company: Financial Assistance Inc
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I RECENTLY REVIEWED MY CREDIT FILE AND NOTICED A ACCOUNTS I DID NOT AUTHORIZE. I OBTAINED A POLICE REPORT AND PROVIDED THIS INFORMATION TO THE THREE MAJOR CREDIT BUREAS. XXXX INVESTIGATED AND REMOVED THE INANCCURATE DATA. I FORWARDED THE INFORMATION TO XXXX AND XXXX BUT THEY HAVE YET TO FOLLOW THE FCRA, WHICH STATES ALL INVESTIGATED INFORMATION FOUND TO BE INACCURATE BY EITHER CREDIT REPORTING AGENCY IS TO BE SHARED WITH ALL OTHER BUREAS AND THE INFORMATION IS TO BE REMOVED ALSO I LIVE AT XXXX XXXX XXXX  XXXX XXXX TX XXXXXXXX NOW AND FINANCIAL ASSISTANCE IS NOT LICENSED IN THE STATE OF TEXAS WHERE I HAVE LIVED SINCE 2019 SO I NEED FINANCIAL ASSISTANCE REMOVED FROM MY CREDIT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
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:
Experian, XXXX and XXXX, seem to be in violation of breaking the laws 15USC1681 section 602 state, I have the right to privacy As 1681 section 604 ( a ) section ( 2 ) state consumers reporting agencies can not furnish a account without my written instructions 15USCI666 ( b ) state a creditor can't not treat a payment on a credit card under an open end consumer credit plan as late for any purpose

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 2023-03-20
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was notified by XXXXXXXX XXXX ( where I have a credit card account ) that an unauthorized hard inquiry was made on my credit report by XXXX XXXX XXXX XXXX XX/XX/2023. This is fraudulent activity. 

I froze my credit report accounts through XXXX, XXXX, and XXXX. On my XXXX account, I was able to see the hard inquiry made by US BANKXXXX XXXX XXXX XX/XX/2023 and a soft inquiry made by US BANCORP on XX/XX/2023. It is important to note these inquiries were not reported on XXXX or XXXX. 

I contacted AAA and they provided me with contact information for US BANK to report the identity theft/fraudulent activity. When I spoke with a US BANK team member, they confirmed a XXXX XXXX had been applied for with my information. Filing a police report was suggested for further documentation.

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 2023-03-20
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had mailed W9 form to Citibank at address : " Citigroup XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ''. I didn't hear anything from them in over XXXX weeks and I had to reach out to them to know about the status. Only then they told me that the W9 has been rejected due to invalid signature. Despite these being the same signatures that I have using everywhere ( IRS forms, other financial institutions ), they rejected it. When I asked the customer support, they told me the form was rejected because my signature should have first and last name on W9. I tried to tell them there is no such requirement in IRS guidelines, they refused to help. They are pressing me to forge my signatures just for them even though it is legally not correct. Citibank also kept on directing me from one department to another before dropping the calls altogether. I am frustrated with lack of response and if there is one, it is about advising to essentially commit 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 2023-03-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX and XXXX XXXX authorized their agent to make a formal Notice of Error with respect to the federally related mortgage transaction which alleged account is presently serviced by Select Portfolio Servicing , Inc. on behalf of XXXX XXXX XXXX XXXX, Successor in Interest to XXXX XXXX, XXXX XXXX, as XXXX for XXXX XXXX XXXX XXXX XXXX. 

A foreclosure sale is scheduled for Tuesday, XX/XX/XXXX to auction our primary residence at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. 

The Notice of Error was sent to SPS on XX/XX/XXXX by Certified Mail # XXXX XXXX XXXX XXXX XXXX and by e-mail to the SPS Ombudsman 's Office. 

Our agent provided a detailed analysis of the initial transaction, whereby the a filed lost note affidavit failed to establish who owned the Note when it was lost and other requirements under UCC 3-804. In addition, the analysis shows that the subject consolidated note was never in the physical possession of XXXX XXXX XXXX XXXX XXXX, the lender. Accordingly, XXXX XXXX XXXX XXXX XXXX could not assign to Plaintiff XXXX XXXX, as Trustee what it did not have. 

Our agent supplied a complete review of the transaction and the fatal defects therein, and also two graphic illustrations that tracked the note and mortgage, illustrating that Plaintiff in NY foreclosure action Index # XXXX had no authority or Constitutional standing to commence the action on XX/XX/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 2023-03-20
Company: Paypal Holdings, Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX PayPal limited my account without noticed this limitation has completely cut me off from any access to my money Ive contacted PayPal several times to release the funds and they refused they said I have to wait 180 days. 180 to wait on my money that I go to work for is absurd they refused to lift the limitation so I can access my funds. I need my funds immediately its not right nor far to cut someone off from their funds that they worked hard for especially a single mother. PayPal also stated that since the account is limited I cant transfer money yet I made a transfer when the account was limited and then once they were made aware of that they put extra precautions on the account as if its not MY MONEY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I changed my payments from monthly to biweekly starting XXXX XXXX. Paid the first half of my mortgage on the XXXX and waiting on the XXXX to pay the rest to complete the XXXX payment. 
Before my old mortgage company sold my mortgage to Carrington, i had a check given to me due to overpayment for escrow and now carrington help that amount in suspense. 
Carrington then told me that using that money in suspense i only needed to pay {$56.00} to complete that XXXX payment but i had the first half already paid. I kept asking them to explain to me why i have to pay multiple times. 
For context. I have about XXXX in suspense then the XXXX payment was supposed to be XXXX and i paid half of that. Carrington told me that to make XXXX payment up to date, i needed to pay XXXX extra since XXXX + XXXX is equals to my XXXX payment. I asked where my first half payment which is about XXXX went then. And they kept giving me the round about and basically telling me that i just now needed to pay XXXX to make XXXX up to day. So my question was what happened to the XXXX i have in suspense. 
The guy on the phone raised his voice at me gaslighting me that i just needed to pay that extra to be up to date. Now i have a late fee for all these going on. The balance left for the XX/XX/2023 is 2 different amount when i use the app and the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Mine and my husbands information was used to open credit card accounts, purchase items and apply for loans. My credit was frozen so I only received letters about the loan application, my husbands information was used to open accounts and he is still receiving letters for loan applications that can not be processed due to his credit report being frozen. This has been on going since XX/XX/ 2021.

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 2023-03-20
Company: Experian Information Solutions Inc.
State: GA
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:
The accounts below have late payments showing on my Experian credit report which are incorrect and need to be removed. 

Experian late payments XXXX XXXX XXXX  Account Number : XXXX Date of Late Payment : XX/XX/XXXX This item is inaccurate because the CARES Act provided protection to consumers who were affected during the COVID-19 pandemic. This late payment occurred during a forbearance period and according to this Act, you allowed me to temporarily pause my payments. 


XXXX XXXX XXXX  Account Number : XXXX Date of Late Payment : XX/XX/XXXX This account was never late on the date listed above please remove late payment

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 2023-03-20
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
disclaimer : i already filed a complaint with the XXXX in XXXX. i got a call from a company that said it was debt collection company, ERC located out of XXXX, fl, according to the letter they sent afterwards, and they said i owed at & t {$45.00}. i believe it's a scam for 3 reasons : 1 ) when they called me ( and they only called once ) and i answered, it took between 5-10 seconds for them to answer back. red flag right there. 2 ) they got my name wrong. and 3 ) i stopped using at & t in 2015 and now they've decided i have an unpaid debt? - please look into this matter asap. they said they'll report me to the credit score companies if unpaid after 30 days. thank you. ps - i don't have anything to upload because all this is news to me. i really don't know what this company is talking about.

Company response to consumer: Closed with explanation