BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-20
Company: Google Compare Credit Cards Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, I logged into the XXXX XXXX app that I use every month to transfer my child support payment. I was forced to the new XXXX app and was forced to use the new platform. When I logged in and went to transfer {$600.00} to my bank account, I noticed that it looked different and only showed limited information regarding the accounts I am accessing. The checking accounts only displayed the last two or three digits of the account number. When I looked at the account numbers, there was an account that had the last digits XXXX and no other identifying information. I logged into my bank to verify the last two digits were XXXX and after verification, I transferred the money. 

After several days, the money had not been transferred and I contacted XXXX to find out what had happened. I was given a transaction number - XXXX which I presented to my bank. They had no record of that transaction. At that point I realized the new XXXX displayed no identifying information beyond the two digits and that two of my bank accounts ends in XXXX. There was no way for me to identify which bank account I transferred the money into. I've been on several calls with XXXX and they keep telling me that there's nothing they can do and because of security, they can't see any additional information. What they've actually created in an effort to attain security for the custormer is a breech in security that creates problems for the customer and, in this case, the loss of {$600.00} due to such limited identifying information of the accounts attached to the app. 

It is inconceivabel that an institution that provides financial services would set themselves up so that they have no ability to provide customer protection and customer service when dealing with moving money. Today was my 5th hour + long phone call that resulting in being told there's nothing they can do to recover or even identify where the money was transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2019 I went to the store early morning try to charge a debit for {$22.00} I found out that it declined I called the bank and found out that somebody charge around {$2300.00} on my checking account from XXXX XXXX I told her since they were still processing to cancel all the charges cuz I did not make them she said to let them go through and I would be issued temporary provisional credit for them until the claim was this investigated I was never issued any temporary credit I was issued a letter of denial I was asked if I made the charges or if I knew who made the charges I told him no I was asked if anybody knew my ATM pin I said my daughter did but she did not make the charges investigated a second time it was and I was denied again I contacted the merchants they told me to file another flight claim with XXXX Bank of America and they would issue the credit to me they also gave me the names of the individuals who made the charges they made the charges and their name not mine just using my card I filed another claim to Bank of America I got another denial letter and contacted the merchants and they said they would never contacted by Bank of America at all about my claim they still insist at Bank of America with contact them with my flight claim they would issue credit Bank of America still to the state refuses to listen or to file another claim even though I told them the merchants are willing to give back the money. I even filed a police report for Bank of America that once they got it they said it didn't make a difference

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 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I have an active 7 year Consumer Statement to contact me before extending or allowing access to my credit report on each reporting agency of XXXX, XXXX and Transunion and to contact me at XXXX or XXXX before extending Credit or access to my Credit Report. 
I have had Identity Theft twice on my and my wife 's Credit. 
It has been in place XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

In spite of these Consumer Statements all three agencies have Hard Inquiries on my Credit Reports. I have not being accessing credit as I already have a Mortgage and have only 2 items I have 3 legitimate Hard Inquiries. 

I was unaware until recently and need these Hard Inquiries removed : XXXX has 14 Hard Inquiries with only one being legitimate. XXXX has 18 Hard Inquiries with only 2 being legitimate. Transunion has 16 Hard Inquiries with only 2 legitimate Hard Inquiries. Credit Reporting agencies are ignoring the 7 year Fraud Alert.

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 2017-04-05
Company: Pressler & Pressler, LLP
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
This Pressler and Pressler Law Firm who is a debt collector, sued me without properly notifying me of the lawsuit, sued me where I did not live, attempted to/Collected exempt funds that were not mine and seized or attempted to seize property. 

In XX/XX/XXXX, without my knowledge or any sort of notice to me, they filed a lawsuit against me in XXXX for failure to pay a debt. They did not serve me and I never knew of the lawsuit, and as a result a default judgment was entered. I had moved out of XXXX in XX/XX/XXXX and now live in XXXX. I had no knowledge of this judgement and it did n't even appear on my credit report. They had the judgment for 6 years and never made any attempt to contact me. Then 6 years later, last Friday, they seized money from my bank account, a joint account that is held with my wife. 

We had no idea why someone was placing a legal hold on our account and had to contact the bank. I was given a number to contact Presseler and Pressler to find out more information. I called this company and they refused to give me any information except that it was XXXX, it is a debt from XX/XX/XXXX, they filed a case in XX/XX/XXXX, now have a default judgement and can take the money. I still do n't know what this debt is and why they think that I owe it. I do n't even know what type of debt it is, the company they say I owe the debt to, XXXX, I never had an account with. This may be a case of identity theft, but the person told me on the phone " they have the money now so they are not going to do anything else or provide me any other information ''. I do not even have any paperwork to upload or provide you because I was never given any. Its like someone came and stole money out of the bank account. 

The money they took was not even mine, it was my wife 's in our joint account. If, like they say, the debt originated in XX/XX/XXXX, this was before I was married and she is not liable for that debt. They also took personal property that was exempt from taking under XXXX Law, because the money that was mine in that account was much less than XXXX. They also came into and took money from a XXXX account with a XXXX judgment. 

I am currently in the process of filing a Motion to Vacate the Default Judgment, and also plan to oppose the Motion to Turn Over Funds. 

I did some research because I am still clueless as to what this debt is and found out that the CFPB last year fined this same Law Firm, Pressler and Pressler, and this same Company, XXXX, for the exact same practices they are still pursuing and using to harm me. I think that I may be a victim of fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Ftc violations and fcra All company deem violations by the Ftc For improper conduct

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 2017-01-19
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
When I graduated from school, Navient did n't tell me how many loans I had and subsequently when I paid some, I did n't pay others. Now I have a 90 day late on my credit report thanks to navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: EQUIFAX, 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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX - AUTO FINANCE Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: LD Holdings Group, LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loan Depot appears to have no bounds to its advertising. I noticed a picture and article written by one of their sales managers on XXXX and there is no proper disclosures, including the XXXX symbol or XXXX ID.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: VA
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:
My personal information was compromised by the Equifax security breach and I was not timely notified in a timely manner to take the necessary precautions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: KLS Financial Services, Inc
State: NC
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:
On XX/XX/2019 KLS Financial Services , Inc. ( XXXX XXXX XXXX XXXX, NC XXXX ) contacted me regarding a debt that was owed in the amount {$140.00}. The agent explained to me that if the debt was paid on XX/XX/2019 they would not report the debt to the credit agencies. With that being the case I settled and paid the debt for {$110.00} which excluded the late fees and penalties. 

On XX/XX/2019 I got an alert on my credit report that a debt in the amount of {$140.00} was reported. I contacted KLS immediately upon receiving the alert and the the answer I got was that the report had already been sent on XX/XX/2019 and no one had saw 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 explanation
Consumer complaint received 2021-11-13
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I NEVER AUTHORIZED ANY HARD INQUIRY OF MY CREDIT. I AM XXXX  AND THESE COMPANIES HAVE THESE AGREEMENTS TAILOR MADE TO INSURE XXXX PEOPLE ARE SWINDLED. THIS WAS SENT TO ME AS A WAY TO CONSOLIDATE MY DEBT WITHOUT ANY CREDIT IMPACT, BUT IT HAS BEEN ONLY A CREDIT IMPACT, PULLING TWO HARD INQUIRIES ON THE SAME DAY. I WANT THIS ADDRESSED AS A XXXX ACCESS ISSUE BECAUSE THEY ARE PREYING UPON PEOPLE LIKE ME WHO ASSUME THAT THEY ACT IN GOOD FAITH WHEN INSTEAD THEY ARE LOOKING TO ENSNARED XXXX  XXXX PEOPLE. IF THIS CAN NOT BE ADDRESSED AS SUCH, PLEASE REFER ME TO THE REGULATORY AGENCY WHERE I CAN COMPLAIN ABOUT PREDATORY BEHAVIOR BY LOAN AGENCIES SUCH AS " XXXX '' OR WHATEVER THEY PRETEND TO CALL THEMSELVES. THIS COMPANY SHOULD HAVE THEIR LICENSE REMOVED BECAUSE THEY PREY UPON PEOPLE LIKE ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: Stellar Recovery, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed a debt collection by a company called Stellar Recovery for a " XXXXCellular '' account which was unpaid. I have never had an account with XXXX and I believe this was fraudulently applied to my credit report. This is negatively affecting my credit report and score. I contact XXXX  and this was removed without issue. However, when I disputed the same item on XXXX the request to remove this from my report was not honored. I am aware that there was a major security breach at XXXX and based on their website, it appears that my account XXXX have been compromised ; I am confident that this is the case. Since they have not removed this fraudulent item from my report, I am reporting XXXX as well as Stellar Recovery for fraudulently applying this debt collection under my name and on my credit report. This is a complete violation of my privacy and rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
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: Personal information incorrect

Complaint:
I have made multiple attempts to remove inaccurate address information, etc, which has been part of the cause of identity theft. Experian denies all of the disputes I attempt, and I'm told to call a phone number during extremely limited and impossible hours. I also have submitted an extensive amount of documentation by USPS which they have failed to acknowledge and use. I have some false address information and other types of information that has been used in my identity theft which I have been unable to dispute and remove.

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 2019-12-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Would like my fraud alerts off

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 2020-04-13
Company: Freedom Mortgage Company
State: WY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I spoke with a customer service rep for Freedom Mortgage at end of XXXX to see options for assistance for my XXXX payment. Rep assured me they would take principal overpayment of previous payments apply it back to my loan and the payment was taken care of. I received notice on XX/XX/XXXX that I was delinquent. I Called and tried to figure out what happened. My credit dropped from a XXXX to a XXXX I was upset. They told me that they could see in the notes the conversation I had with their rep but she was incorrect and I it was my responsibility to pay ontime. Ive contacted them 3 times and they will not take any responsibility or fix the delinquency report. I have a 100 % ontime payment history. I cant even refinance at this point and get a decent rate with a different mortgage company because of my credit score. I have to stick with them even though I am extremely dissatisfied with the company and the way they handled the situation. I feel like I was misled and offered false information by a representative of them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
on XX/XX/XXXX through Cash App is a mobile payment service developed by Square, Inc., someone took {$500.00} from my XXXX XXXX and deposited in my cash app account then they turned those XXXX into XXXX and then they took another XXXX turned that into XXXX then they deposited a total of XXXX into someone's XXXX XXXX  account I did not do or authorize these transactions I have made a incident report with XXXX police department incident number XXXX i have also contacted through email cash app support as well as the ceo XXXX XXXX at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CBE company calls me repeatedly daily for a XXXX XXXX XXXX. I am XXXX XXXX XXXX with different social security #. I have asked and told them to take me off their list and yet I get called every day. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
someone stole my identity and opened and account with XXXX. I currently have XXXX  and I do not owe them that amount. It says date assigned XX/XX/2015

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital Accounts has placed this on my credit report and it has nothing to do with me. 
It states date assigned XX/XX/2019 on XXXX its XXXX on XXXX XXXX its XXXX and XXXX its 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 2020-04-13
Company: Cedars Business Services, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I filed a claim against XXXX for fraudulent practices on their websites. I have filled my dispute and it was processed legally through my bank. Now two years down the line I receive a message from cedars buisness services claiming I owe XXXX money when I do not. They are both intimidating me even though my bank has already filled the dispute two years ago. They claim I owe over {$200.00} when I do not owe any outstanding fees over {$200.00} I have no idea where they came from randomly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation