BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-22
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
Ace Check Cashing is constantly calling me at my home and work while also harassing me and my co-worker for a payday loan that I did not opened online. Their fraud department personally acknowledge it was an identity theft issue, so I went and filed a police report to cover myself. With all this information at hand, they continually keep calling and threatening me with law suits, been served at my job by the police, and threatening to keep embarrassing me until they get money for a payday loan I never received or initiated in the first place. Today, they hit an all time low by disrespecting my boss after she and I repeatedly told them not to call again on her company line affecting her business and my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: WELLS FARGO & COMPANY
State: ND
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I had XXXX missed phone calls from Wells Fargo, as I was with my own business clients. I also received a text concerning possible fraudulent charges from my business checking account. 

I did answer the next chance I could, the agent then text me a 6 digit code to confirm my identity as this is what happens with Wells Fargo. The agent the proceeded to ask me if I recognized charges on my account, and I didn't. 
The agent then proceeded to start fraud claims on these fraudulent charges, and gave me 7 reference numbers related to these charges. After talking about a couple of these charges, the agent again sent me verification codes, 2 more times. 
I've been through these calls with Wells Fargo before, it was a script I've heard before, it seemed very legit. 

The agent continued to tell me that there had been a wire transfer started for {$500.00}, but he was able to stop it, but there was also a transfer for {$24000.00} that had been completed, but Wells Fargo would reimburse me the next business day. 

I was on the phone with this agent for about 30 minutes, but within roughly 14 minutes my username and password had been changed, someone had signed me up for Wire transfers, added a recipient, and had transferred {$24000.00} out of my account, all while on the phone with who appeared to be a Wells Fargo agent. I was scammed.. 

This person seemed to be a legit Wells Fargo employee, he knew the complete script like he still worked for Wells Fargo, or had been a past employee, as no one should know this script, unless they've worked with Wells Fargo 's fraud department. Either on the Wells Fargo side, or on the consumer side. 

Another suspicious thing, I just had a large deposit post to my account the day prior for {$51000.00}. It seemed like someone knew I was a good target.. 

I have been through 2 departments with Wells Fargo, and the only response to all of this is " we are so sorry, we couldn't get your funds back, and your claim is denied. '' I've had debit card numbers skimmed before, and my funds have been covered by Wells Fargo. I don't know why this instance is any different, and no one I've spoken to has had any other info for me. 

As far as me questioning that it was a current or past Wells Fargo employee, no answers were given there either.

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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2015-12-12
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I asked for a bid from a company via email for transfer of a group of XXXX people, about XXXX miles from a city to the start of the trail. I received a bid via email for the transfer of {$590.00} each way. When I received the XXXX bill the charge was {$2000.00}. I disputed the bill with XXXX. When XXXX rejected my dispute I asked for a copy of the merchants reply to the dispute. The merchant had changed the price from {$590.00} to {$950.00} each way and added extra charges without ever informing that he had changed the prices and was going to add extra charges. There was no contract. When I tried to talk to him in person about a refund for return the trip which I canceled 7 days before we were to return to the city he told me he had a 30 day cancelation policy. At that point I did not know he had changed the fee and had added extra charges. ( I canceled the return trip ( ( XXXX phone calls, XXXX which went on to the company 's answer phone and XXXX to an employee of the company ) ) as the group 's air flights to the east coast were all canceled because the east coast airports were closed due to heavy snow and blizzards. ) I have tried to contact him to resolve the dispute via email, by registered signature required mail and by " sort box '' mail where I have a tracking number and time that the letter was placed in his PO box . He has refused to respond to me. 
I have disputed the fraud charges with XXXX 3 times. XXXX has supported the merchant and this fraudulent charges 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello and how are you? The other CRA went ahead and removed this bankruptcy public record from my credit report several months ago due to it being reported incomplete and misleading. But, unfortunately, your unlawful conduct has caused me a lot of stress and financial harm, including worry and other distress, out of pocket costs and expenses, and loss personal credit opportunities. You have failed to conduct a truthful investigation into this PUBLIC RECORD by the consumer laws. NOT IN COMPLIANT! 

Listen there is no way that you investigated this Public Record as accurate because I asked the court if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verify this?

For example, court name is not accurate each bureau must report the actual name of the court, followed by ( city, state ). Youre required to obtain verification from the DATA FURNISHER and the court told me that they dont verify with you, so HOW is anything else considered legal verification? I need for you to send me the petition to verify this account. If you can not do that, then this needs to be removed.

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 2017-01-24
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I applied for a student loan using XXXX XXXX while attending Full Sail in XX/XX/XXXX. I was young and naive on the process and was able to obtain a loan with no cosigner at the time. XXXX was not accredited when I went and the loans were not able to be consolidated. When I graduated I struggled to find work. It was time to pay my loans and they minimum payment was over {$1000.00} for XXXX loans. Most private loans which I had no idea any would be private. I paid my federal loans fine since they were only {$99.00} a month. I was told to use my deferment option until my loan was able to be consolidated. I deferred the loan collecting tons of interest in fear it would default since I could not pay the {$1000.00} loan payments. Eventually I was able to consolidate and my loans were now {$350.00} a month. I found a job in my industry and made payments. I was laid off after 4 months due to down sizing. Out of XXXX employees XXXX were laid off. I was again unable to pay my loans. I once again had to defer my payments. My deferment ran out before I found another job. I pleaded to arrange a payment plan to allow me to pay only interest until I find work. They would not help me. My payments fell behind to almost {$2000.00} minimum payment. I found a job and pleaded with them once again to allow me to make payments on this amount. They told me I would continue to build interest to ask a family member or get a loan for the amount I need to get caught up again. I was unable to do either. For years now I 've been begging and pleading with XXXX XXXX and now Navient to get me back on track so I can pay my loan. They are demanding {$34000.00} minimum payment in order for me to get back in good standings and make monthly payments on the principle. I am unable to purchase a home or make any large purchases because of this. I make enough money to pay my loans but they refuse to give me any options for repayment. I want to say I have paid my federal loan payments with no issues. When I went through my hard ship I was protected and was able to get back on track and have been in good standings for years now. I also want to say that XXXX is now accredited and even though I felt like I was deceived when I first starting going to school there, I am happy with my current position that was the outcome of my schooling. All I ask is to get back on good standings so I can finally make my payments and fix my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am the owner of the property at XXXX XXXX XXXX, XXXX, VA XXXX. I obtained judgments against the original " lender, '' XXXX/XXXX/XXXX, case # XXXX, for FDCPa and TCPA violations, and the " servicer, '' XXXX, Case No. XXXX, for the same violations. I also sent a UCC 9-210 via certified mail, to both parties, and they tacitly admitted that the mortgage balance was XXXX. The first Default Notice was mailed on or about XXXX XXXX, XXXX, so the 6 year statute of limitations for both the UCC and the state of Virginia is well past that point. I rescinded the " loan, '' on XXXX XXXX, XXXX, by sending notice via Certified Mail, Return Receipt Requested to the alleged lender, Bank of America, N.A., and to the alleged servicer, XXXX XXXX XXXX. The US Postal ID number was XXXX for the former, & XXXX for the latter. I recorded a " Notice of Interest in Real Property '' in XXXX XXXX, VA, along with an affidavit.Pursuant to the Truth in Lending Act ( " TILA '' ) 15 U.S.C. 1635 and 12 CFR. 226.23, the rescission was effective the moment it was mailed ( see XXXX vs XXXX, XXXX XXXX ). Please notice that that decision said very clearly that TILA does not make a distinction between a disputed rescission or an undisputed one-in either case, any lien holders who wish to dispute the rescission must do so with a lawsuit, WITHIN 20 DAYS, otherwise their rights are gone forever-and they are obliged to return the canceled note, reconvey the property, and return all payments and closing costs to the owner. Not only did Bank of America and XXXX not follow that requirement, they are trying to commit fraud in collusion with XXXX by the attempted foreclosure of the home ( see attached ), by foreclosing on a home where the note and mortgage, by operation of law, were voided back in March-and they did NOT exercise their right of contesting the rescission within 20 days. A couple of recent blogs by noted foreclosure attorney XXXX XXXX shed light on what B of A are trying to pull-indeed, in the first article, XXXX was fined massive damages because of their fraudulent behavior, and when I last checked, XXXX XXXX, XXXX was nowhere to be found in the county recorder 's office. In the XXXX blog, which discusses the XXXX decision from XXXX, he had rescinded years ago, but was foreclosed on anyway, and now the court threw out XXXX Bank 's motion to dismiss. Incidentally, none of the categories below really fits, but I checked " Problems when you are unable to pay, Loan modification, foreclosure. '' XXXX https XXXX I also add that all of the parties are violating XXXX XXXX & XXXX XXXX deceptive trade practices against an elderly person, as well as my civil rights ( law of XXXX, attached ) by trying to deprive me of personal property without due process ( which is true of any deed of trust state, btw ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Block, Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX there were XXXX fraudulent charges that were pending on my account that I noticed because I was at my local grocery store trying to purchase some items at XXXX that evening. When my card decline my transaction I look on my cash app to see why it wasnt going through, upon looking I saw that I had XXXX different charges pending. So I reached out to cash app via through the app. I told the advocate that I did not make theses transactions because I live in NC and the transaction went through in CA that when I was told that I had to wait for the transactions to clear in order to do anything. Well it took about a day or XXXX to clear so on XXXX I called to dispute those charges, was told at that time I had to wait XXXX business days to get a response and it could take up to XXXX calendar days to resolve. This morning about XXXX I receive an email stating that they were denied due to there was no error done like they are valid charges. So I called and spoke with XXXX Rep who stated that I had to wait for a supervisor to reach me via email. Well that has never happened. I were able to finally get a supervisor XXXX on the app which was that they could not overturn the decision and I need to reach back out to the merchant. I have requested multiple times for a transaction or order number so that I can give to the XXXX, and XXXX. I have been going back and fourth with cash app support and they customer service department and still XXXXm being told Im out of about XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Experian Information Solutions Inc.
State: MA
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:
Hi CRA Mgr ; Listen, i was going through my credit again this morning and noticed that this XXXX  Account # XXXX is still showing on my credit report as a charge-off status with multiple inaccuracies, and incomplete and misleading information. There is no way that this account was truthfully investigated because it continues to report 3 different high balance, different actual balance, different dates of last active, different dates of last payments, and a closed chargeoff account, shouldn't reprot any late payment and c/o on payment history. This is incorrect reporting and it's in violation of fcra and its illegally causing this account to re-aged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XXXX XX/XX/XXXX I found that my ex-husband applied with Bank of America for a commercial loan with my SS #, and address. After many attempts to find out how they were able to get a credit report for a guy posing as a female. I contacted the Fraud department of Bank of America and I told them happed and they told me that the account be flag as an identity theft, also told me that any application that will come on his name with my SS # will be rejected. Monday XXXX XX/XX/XXXX, I picked up my mail and is a letter from Bank of America addreed to my ex-husband with my address and letting him know that the credit was freeze and to reach out to have that taking care off. This time he applied for a credit card. Bank of America never did what they told me they will do marking his name as a identity theft, he is able to keep trying. I understand they are just doing business but after they know and have a report of the circumstances and have the name and SS # related to the fraud why they keep telling happend. What about my protection. They have a male applying with a female SS # and all is ok. When I called the bank on Monday XX/XX/XXXX the person that took the call told me to go to XXXX If that's the way a banker treats someone compliening about identy ttheft by someone else, I'm not sure how they can treat any one by suggesting to learn how to manage their life. Why the banks allowed people to apply for either a loan or credit card by their website and don't request than the person applying goes to one of their branches and identified them selfs. That should be a protection to the consumer. NOTE : I BEEN DIVORCED FROM HIM FOR 10 YEARS AND IN 10 YEARS I DON'T KNOW ANYTHING ABOUT HIM.

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 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To those that will be involved with the review of this situation, I am reaching out to you because the companies listed have failed to respond in the required time frame to my correspondence complaining of their gross failure in reporting information accurately on my report on XX/XX/2020. I am aware that Federal law requires these companies to respond within thirty ( 30 ) days ; at this point it has been ( 118 days ) and they have failed to maintain an open line of communication with me. I am also aware that according to Section 611 ( a ), a failure to investigate these items within 30 days mandates these companies to remove the listed items immediately. Again I would like you to know that it has been over 118 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to this situation making it impossible for me to get approved for a home loan. This has stressed me out significantly and need correction immediately. Please be informed that my information was compromised within the XXXX data breach and this may be the result of this nefarious activity on my 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 2018-05-30
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I bought a Digital Product with a scammer by using Paypal invoice.When i paid, the seller did not send me anything about what i bought.then I reported it to paypal and Unauthorized it, Paypal just auto canceled my open case, that's can not do again. I need my money back, I did not get anything.I have everything communication record with the seller to prove he is scammer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-28
Company: HireRight Solutions, Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
This agency hireright.com, aka XXXX, provides driver and credit data to companies looking to hire people. For the past 10 years i have disputed and disputed the incorrect data and they have not corrected it. I have suffered incalculable economic damage in the form of lost job opportunities because of these people. It was so bad that I was party to a class action lawsuit in which they lost and received a small settlement about 2 years ago. Even now my work record, consumer data, and even my name is n't being reported correctly in their reports and they refuse to address it. They will say otherwise but I was just informed today that i was not being hired because of this information by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
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 is missing that should be on the report

Complaint:
I have been patiently waiting for Experian to increase my credit score for months. I have been at XXXX since last year sometime. XXXX and XXXX have kept up with my credit activities I am at over 600 points with them and Experian has me less than XXXX points from the others and they all should be around the same. They don't report info as they should and the other credit bureaus have been reporting my activities. Yet they ask for me to pay for a boost when I should not have to pay for a boost if my credit is being reported accurately through XXXX and XXXX. I have a credit card for over three months and it just took them XX/XX/2021 to update my records, falsy with a 3 point boost. REALLY!!!! and it's a {$450.00} dollar credit card. Then they having my credit showing like a {$0.00} balance instead of a {$450.00} credit. They are literally affecting my lively hood. I just took out a loan for XXXX XXXX from XXXX  site, got {$1000.00} they didn't report it. My sister added me to her XXXX XXXX and XXXX XXXX cards and they say every 30 days, yet it's not there. I tried to take out a XXXX XXXX card from my email, not knowing Experian was the credit check and Experian email me quickly letting me know of an inquiry staying on my credit, but can't report fresh accounts. I feel like I'm being discriminated against.

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