BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-20
Company: Block, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Square pocketed XXXX from my business account and never returned my money back to me there was no reason for them to keep it. i have already liened Square for 1,000.00 Square resulations team say the refund would take up to 7-10 business days and i never resieved it back from them my orgional address that i used from them with this account was XXXX I never got the money back from them, this is fraud 100 percent they have a history of doing this to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I get down to my last payment on my car 60 month, I think at XXXX interest rate, Last 2 months heartship repairs on the car effected my ability to pay, on time so I call offered to pay XXXX, and the balance of XXXX next week, I was told all or nothing,, I was totally surprised that realizing the Chase has made a nice piece of profit on the life of the loan, was not willing to work with me to resolve the issue but was, threaten a letter would go out to the credit bureau to report a bad debt and risk a repossession. The price tag if the car was around XXXX. The total was paid XXXX, with interest, why is XXXX profit not enough to at least consider corporate to resolve the final payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: Universal Account Servicing, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i inquired about their services only and refused it and they to charge 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 2017-05-22
Company: ORG GC GP Buyer, LLC
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX   XXXX   ... ..    XXXX   XXXX     XXXX   gcservices    XXXX    XXXX   XXXX  called  XXXX  I returned the call from a different number.  XXXX  started giving out my account info after giving out all my account info. I feel my privacy rights were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
The is at the least the 2nd complaint that I 'm filing against XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and Discover within the last several months. I have been harassed and threaten for almost a year now with emails, phone calls, letters, and now a legal Judgement. XXXX XXXX XXXX has been consolidating and resolving 7 debts for me starting in XXXX of 2014. Over 60 % of the debts have been resolved and I 'm waiting on the remainder to be resolved. But all Discover has done is harass and threaten me since XXXX XXXX XXXX has been consolidating and resolving my debts. My rights have been violated and I want XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, and Discover investigated by your agency and the FBI. They seem to be doing the same thing that your agency caught XXXX doing..? There is something illegal going on with Discover 's practices and I would like for the Federal government to investigate all the parties previously mentioned. I 'm writing to the President of the United States, the U.S. Congress, the FBI, the Federal Trade Commission, the Governor XXXX, and the Governor XXXX about Discover and their practices ... I have already started writing. I 'm sending the copies of the Judgement to the White House and others mentioned ... and to as many media outlets as possible to tell the public what Discover has done to me and possibly many others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
IQ Data has been attempting to collect on a debt for the past four years that was signed and forwarded to them by one XXXX XXXX representing XXXX XXXX XXXX, XXXX  XXXX XXXX, and XXXX at XXXX XXXX XXXX. 

On XX/XX/2019 XXXX XXXX stated, under oath, that she did not have the authority to attest or sign legal documents. She was only the community manager. The debt claimed by this collection agency was signed by the same XXXX XXXX and was based on legal documents of an alleged debt by, once again, XXXX XXXX. 

The debt is either invalid or the entities above have perjured themselves in court. 

The debt is in either case invalid and not verifiable. The collection agency would need to provide another signed document by an authorized party, from the inception of that debt or else remove the debt from all bureau reports. 

Enclosed is the case number and hearing information where I was required to refile against a party with legal authority. XXXX XXXX was present as the defendant for the entities and not qualified by her own admission to being a legal authority to handle financial matters for the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Experian Information Solutions Inc.
State: OH
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 canceled three warranties and on XX/XX/XXXX XXXX XXXX mailed out two checks. One was for {$3700.00} and the other was {$1400.00}. On XX/XX/XXXX, XXXX XXXX  XXXX received another check from the dealership in the amount of {$1700.00} for two other warranty policies that where canceled. I received two statements for XXXX and XXXX saying I have no payments due ; therefore, I did not pay for those months. On XX/XX/XXXX, someone from XXXX XXXX XXXX told me I was late for two months and that my statements was incorrect. Now they reported me late and my credit dropped XXXX XXXX XXXXhis is not fair to me or my credit that they sent me no payment due statements and now trying to backtrack saying I owe. I had a XXXX credit score now I do not because of there negligence. Also, they are saying I owe {$2800.00}. This is causing me XXXX XXXX and XXXX XXXX  because now I have to worry about them repossessing my car and I have XXXX XXXX I have to get back and forth to work and take my children to school and daycare. This is not fair, and now my credit is hurting. I will sue if it is not removed from my credit because this is violating my consumer rights! This is XXXX XXXX error!

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 2022-11-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2022 I had an appointment with a local dentist for some much needed work. Upon receipt of the estimate for services ( attached ) I inquired about the use of my credit to which they gave me a pamphlet for CARECREDIT by Synchrony Bank. I submitted an application on XX/XX/2022 online. I immediately received a denial letter online ( attached ) which I believe to be in violation of 15 USC 1691.

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 2022-11-20
Company: BlockFi Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I made withdrawals ( wallet to wallet for XXXX and XXXX ) from my BlockFi account that were not honored. They are still in a " pending '' status with an expected delivery date of XX/XX/2022 ( which has since passed by 5 days ). I contacted the company on XX/XX/XXXX th ( Untitled ticket XXXX ) with no response. Later, I found out withdrawals for all accounts were " paused ''. I was not aware they could hold the currency in my accounts. In fact, in the disclosures it says that money in my wallet was held and controlled by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We were approved for a modification. We made the payments on time. Ocwen lost the signed documents and then Denied the modification due to " missing '' documents. They sent us a letter saying that if we made XXXX payments of {$500.00} plus dollars they would take a look at the modification for reinstatement. Less than XXXX weeks later we mailed them XXXX payments of requested amount for a Sum of {$2700.00} plus dollars, which they applied to the account. We then received a letter a few weeks later saying that the amount we sent was insufficient. If we wanted a review then we had to send in XXXX payments ( so they wanted us to send 2 more payments ) by XX/XX/XXXX ( only a week from the time we received the letter requesting the additional payments ). Ocwen is intentionally trying to keep us from getting this modification, yet keep cashing our checks. Now we have received the PRE FORECLOSURE notice from them AGAIN. I tried to submit a whole new modification request and their system wont let me, but I keeping receiving letters from them offering me the opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Nelnet, Inc.
State: WI
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 info on my credit reports XXXX is incorrect. 

I contacted the company XXXX on XXXX and spoke to a executive in customer service. 

she informed me of the incorrect info on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: WELLS FARGO & COMPANY
State: NV
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:
There is a XXXX XXXX XXXX that I have found out using my identity information, which is from Lender, WellsFargo Home Mortgage , Inc. in XX/XX/2003. Its a Deed Of Trust, provided by XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX is XXXX. 
Abrevate legal discrimination XXXX XXXX, XXXX XXXX. Same address as the others, which is at XXXX XXXX XXXX XXXX XXXX XXXX, WA 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 2016-08-08
Company: Credit Karma, LLC
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a XXXX XXXX Credit card balance and negative report on my credit. The information is not mine. My wife has a XXXX XXXX credit Card, but I do n't. Nor is my name on the card.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
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 contacted Experian on XX/XX/2022, to dispute fraudulent items I found on my credit report by mail. I got my dispute results on XX/XX/2022 stating that the items I was disputing were either deleted or were not appearing on my report. A few days later, on XX/XX/2022, after logging into the Experian website, I noticed that Experian had without my knowledge or permission unknowingly reinserted some of the deleted items on my credit report. I tried to contact the company about it, the fraud department lady on the phone line said that this was nothing and to disregard and the items should be deleted, so I did and went about my day, and a few hours later I get an email notification saying the disputes were updated and the accounts were somehow validated. I also went to the Experian website and saw the items were removed from my report XX/XX/2022 but were reinserted on XX/XX/2022 even though Experian never gave me written notice that the items were reinserted or why. I filed a separate complaint on XX/XX/2022 regarding unauthorized inquiries and Experian came back on XX/XX/XXXX stating they had verified all inquiries even though no proof of verification was provided to me. This is unacceptable. I have received no documentation from either Experian or from the " original creditor '' that proves I gave written consent to anyone to furnish these items on my report ; and if the creditors state that I gave written consent, it was only due to an uninformed decision, and I was not given proper disclosure of my rights under the Gramm Leech Bliley Act.

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 2022-11-20
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I will be making a police report and uploading all evidence.

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 2015-05-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I submitted a dispute with all XXXX credit bureaus numerous times and there are still items that have been paid and are duplicates reflecting on the credit reports. Further, I have provided information to the credit bureaus and the companies that verified that I paid the accounts. These specific accounts are still showing active, with a balance and a monthly payment. The specific accounts are- XXXX XXXX Bank ( XXXX XXXX XXXX XXXX XXXX and XXXX ) and XXXX. Further, some of these accounts have been reported on my credit report since XX/XX/XXXX and XXXX XXXX years. I have contacted all XXXX credit bureaus ( XXXX, Equifax and XXXX ) and they refuse to remove the accounts each time and now they are reflecting duplication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-13
Company: STONEGATE MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We sent the email below to Stonegate XXXX/XXXX/15, followed up XXXX/XXXX/15 and never received a response from them. 

If you require any email correspondence proving any of our claims, we are happy to provide them. 


Hello, My wife and I reached out to Stonegate about refinancing our loan around mid XXXX ( the first email we have is from XXXX/XXXX/15 ). We agreed to terms and were told on or before XXXX/XXXX/15 that we would be closing mid XXXX. To be more specific, we were told XXXX/XXXX/15 that " Your appraisal just came in and your file has been forwarded to underwriting. '' Each and every time anything was requested of us, we responded with what was required immediately. After following up a number of times, being shifted around to different representatives, having additional documents requested of us, etc, we were told XXXX/XXXX/15 that " We got extremely busy over the last 5 months which has caused tremendous delays. '' Following that, we had to get another appraisal since it had been so long, send in additional documents, and we finally closed XXXX/XXXX/15. Nearly five months after we were told it would take place. 

During that time, we paid PMI on a loan that we would n't have if it had closed when we were told it would and also paid interest at a rate XXXX of a point higher than we should have been. 

After repeated attempts by Stonegate to renege on the terms we agreed to because it took them so long that the " market had moved '', we did, in fact, receive the loan at those terms. In addition, we were refunded the amount we paid for PMI as a result of Stonegate 's delays. However, we also need to be refunded for the additional interest that we should not have paid during that time period, as the delays were admittedly Stonegate 's fault. 

We will be awaiting your response. 

Thank you

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-19
Company: BMW Financial Services NA, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I totalled my vehicle in XXXX. After paying my deductible and confirming that I did indeed have gap insurance through the dealer from which I purchased my vehicle, the matter should have been settled. Now, six months later BMW financial is attempting to collect money from me in the amount of more than XXXX. They also ran my credit when I attempted to buy a replacement car. After the credit was ran they told me the vehicle for which my credit had been ran was no longer available putting an inquiry on my credit for no reason. The claim number is XXXX adjuster was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  # XXXX and XXXX XXXX XXXX  Acct XXXX XXXX have 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 an account without my written instruction.

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 2021-09-28
Company: EQUIFAX, INC.
State: CT
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:
FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The following accounts listed below can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. Please provide a FULL CONSUMER FILE DISCLOSURE as described in 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts. 

1. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) Account Number : XXXX 2. XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX 3. XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) Account Number : XXXX The entries are REPORTING AND DATA FURNISHER VIOLATIONS OF 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 


REMOVE UNAUTHORIZED Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I took my children XXXX shopping at XXXX XXXX. After we got back home, my son XXXX XXXX, XXXX asked me to see of I could log in his bank account because he had received a notification that his account was locked due to suspicious activity. When I logged in my account, I saw that his checking had a deposit for {$900.00} and a withdrawal for {$500.00}, both on XX/XX/XXXX. Also, I noted that those transactions were at a Chase ATM in XXXX. I called the XXXX number for Chase Bank immediately, and I told my son to call, too. I told the representative that those XXXX transactions were fraudulent and that I was removing my son 's money from his checking and savings accounts. My son also stated that he did not have his debit card, and I relayed that information to Chase Bank. I told Chase that I believed the fraudulent activity was committed by someone at Chase Bank and I told them to pull the cameras. On XX/XX/XXXX, Chase reversed the deposit, leaving negative {$400.00} balance on the checking account. I called Chase Bank again and said that the bank needs to reverse that fraudulent withdrawal ; I told my son to call again, as well. After, this time and some time in XXXX, my son had to call once again, at which time Chase Bank reverse the fraudulent ATM withdrawal. Whenever I called Chase Bank, I requested to speak to management or a representative would say that I would get a call back. But, I did not receive a call back. I let the issue go because Chase Bank reversed the fraudulent charge and closed his accounts. However, on XX/XX/XXXX, my son and I received a letter dated XX/XX/XXXX. It stated that the past due balance of {$500.00} was due. I called the bank and said there is no past due balance. I also reiterated that I had requested several times for the bank to pull the cameras on that ATM. The branch XXXX XXXX XXXX said that she would escalate the complaint. I told her that I was still going to have the police meet me at her branch ( Chase XXXX ) on XX/XX/XXXX. However, when I called on XX/XX/XXXX, a representative told me that XXXX XXXX was not in the office.

Company response to consumer: Closed with explanation