BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-19
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Credit Collection Service ( CCS ) with address XXXX XXXX XXXX, XXXX, MA XXXX, attempted to collect a debt that was not mine. According to the fair credit collection practice act, 15 USC 1692g sec. 809 ( b ) the credit collection company was asked to validate the debit through certified mail which they could not verify. The Credit Collection Service ( CCS ) sold the debt to another company called XXXX XXXX with address XXXX XXXX XXXX XXXX XXXX, MA XXXX, knowing the debt is not mine and these reporting has been affecting my credit rating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TD BANK US HOLDING COMPANY
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: Account information incorrect

Complaint:
I am reaching out because I have completed my monthly payments with XXXX in collaboration with XXXX, and as of now, XXXX is claiming that my balance is still past due and is accumulating charges. This has resulted in increasing credit card charges as well as a significant decrease in my credit score figure. I have reached out to XXXX  customer service, XXXX  security and Fraud, and XXXX  about these charges, but they have turned me away and said I had to be in direct communication with the other individual business, and that they are unable to initiate an internal dispute for this because I am outside of our 60 day dispute window. I am attaching the following documents to help support my claim, in PDF format.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have old addresses, phone numbers, and wrong names 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 non-monetary relief
Consumer complaint received 2023-01-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MO
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:
Hi, Therer was a recent inquiry on my Credit reports inquiring about auto loans from the following companies : - 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. BMO Harris This was very disturbing as I am not aware of any of these enquiries.

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 2023-01-20
Company: U.S. BANCORP
State: MO
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:
Hi, Therer was a recent inquiry on my Credit reports inquiring about auto loans from the following companies : - 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. US Bank 6. XXXX XXXX This was very disturbing as I am not aware of any of these enquiries.

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 2022-09-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be corrected or deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$900.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance : {$460.00} XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$540.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$610.00} XXXXXXXX XXXX  XXXX XXXX XXXX : {$83.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance XXXX {$73.00} XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Balance {$540.00}

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 2023-01-13
Company: EQUIFAX, INC.
State: FL
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:
they DON'T REMOVE NOTHING OR SHOW ANYTHING THATS THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: RoundPoint Mortgage Servicing LLC
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We originally had a mortgage with XXXX XXXX. After COVID19 we did a forbearance with XXXX XXXX. 
It was then sold to Roundpoint. While with Roundpoint we did a forbearance due to COVID19 with them. We never signed any paperwork like we did with XXXX XXXX for the forbearance. Our Mortgage has now been sold to XXXX. 
After the loan was sold to XXXX, we learned that Roundpoint did a loan modification. I never signed any paperwork with Roundpoint approving this loan modification. My loan is now more than what I paid for the house in 2017. I have been trying for almost a year now to reach someone at Roundpoint for paperwork about this Loan modification and no one will return my calls or answer me. I am needing help and I don't know where to turn! 
Because of this loan modification they did I am stuck with PMI on my house that we should of been able to have removed by now. 
Can someone please help me or please tell me who I should reach out to. 

I do not know what paperwork or forms you would need from us but if someone could reach out to me I will be happy to send you what I have. Again, I have our forbearance papers from XXXX XXXX but nothing from Roundpoint other than our statements.

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 2022-09-05
Company: Experian Information Solutions Inc.
State: CT
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:
Experian is erroneously reporting a new account loan number XXXX for {$2200.00} through XXXX XXXX posted on XX/XX/XXXX and I do not and never had a contract with XXXX XXXX with this loan number. Experian is also reporting the account as 120 days past due when this new account never appeared before as they recently opened the trade line on my file on XX/XX/XXXX. I never consented nor signed this new loan contract and immediately asked for validation and never received any validation of this new contract. The monthly payment amount and the loan number Looks like fraud as I dont recognize either 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 non-monetary relief
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card Bureau Code : Individual Individual Account Status : Closed Closed Monthly Payment : {$110.00} {$110.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$2100.00} {$2100.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$3000.00} {$1000.00} Credit Limit : {$1000.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; reported by grantor Accounts closed by credit grantor Credit card Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year 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 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK Experian XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2023-01-13
Company: TRUIST FINANCIAL CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
THIS IS NOT A DUPLICATE!!!! 
THIS IS A RESPONSE TO XXXX XXXX XXXX RESPONDED BACK TO MY COMPLAINT MADE ON XX/XX/2022. XXXX STATED THAT THEIR CORPORATION REGIONAL ACCEPTANCE HAD PERMISSABLE PURPOSE TO USE MY SOCIAL SECURITY NUMBER TO PULL MY CONSUMER REPORT. From my understanding if there was no written consent for your corporation to use my XXXX information. That is a VIOLATION of privacy. You also stated that I gave the dealership permission. So there for your corporation did not get permission and the car lot ran my credit there at the lot. Then I started receiving emails and notifications from numerous of banks including yours. This is called unauthorized use of my social security number. Then you said the automatic system declined asap. So in other words you're telling me that your corporation don't do your job. What happen to the underwritter and also finance managers when it comes to car deals? You stated that I needed to work on my credit. According to 15 Us code 1691 my credit does not and can not determine the decision made in the Consumer credit transaction. This is also A violation and credit discrimination. If you look at 12 CFR 202.9 ( 3 ) ( b ) ( 2 ) statement of specific reason basically the reason for the adverse action is discrimination due to the fact that a person with a XXXX XXXX of XXXX gets approved and a person with a XXXX doesnt. So the specific reason is in fact insufficient. Due to the fact that a XXXX XXXX or debt can not be used as specific reason. So what is the specific reason for the denial? This is also a violation of the 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 2023-01-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I noticed on my XXXX credit report that I had a Wells Fargo credit card that was overdrawn for XXXX dollars that I did not do. I also did not open a Wells Fargo credit card. I went to the bank to confirm this and was told everything on the account was incorrect regarding my mailing address, phone number, email. I contacted the Wells Fargo fraud department and told them that I have no credit card and that it was fraud. From there I was told it was going to be looked into and contacted later but got no reply. Checking my XXXX  account in XXXX I noticed that Wells Fagro closed the account but in XX/XX/XXXX the Wells Fargo says I now owe XXXX dollars.

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 2023-01-13
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On approximately XX/XX/2022, I learned that XXXX checks from my company XXXX XXXX XXXX XXXX XXXX XXXX, in the amounts of {$9300.00} ( XXXX # XXXX ) and {$1100.00} ( XXXX # XXXX ) had been cashed from my business account, but the names of the payees had been changed from the payees I wrote the checks to ( and in the case of XXXX # XXXX the amount had been changed to {$2500.00} from the original amount of {$1100.00} ). I filed a fraud claim with Truist Bank. They told me that my cash could be tied up for XXXX days while they investigated the claim. This has put a serious cash flow hardship on my small business for an error that was made on the bank 's part. I am complaining about the policy of Truist Bank holding on to my company 's cash for a long period of time when the error was made was on its part. After complaining to my local Truist branch for over a month and having them contact the bank 's fraud department, I finally called the fraud department myself and was told that the paperwork was incomplete. No one had ever told me about any paper work to be completed. I completed and filed the paperwork immediately. I called the Truist Fraud Department today and was told that the investigation could take up to XXXX days, now XXXX days longer than I was told initially. I simply do not understand how Truist can hold up my company 's money for an error that it made, putting my business at risk. XXXX 's motto is " We've Got Your Back. '' In my case Truist is stabbing my company in the back. The bank just clings to its stance, saying " this is the bank 's policy. '' It is a poor one.

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 2023-01-13
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone hacked into my phone using an app called XXXX XXXX and transferred money out of my paycheck to a phone number in the picture below. I called Chime Support to notify that I didn't make those transactions so they filed a claim. The next morning I received an email from Chime that my claim was denied in an investigation. I was supposed to get paid the {$390.00} today but itwas stolen from my account last Fiday. Please help me get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Early Warning Services, LLC
State: GA
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:
On XXXX XXXX was notified that I had information in Early warning reporting agency. After notifying the agent of my concerns XXXX was very rude and condescending. He then began to antagonize me. After asking for a supervisor he refused. I got no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Block, Inc.
State: FL
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:
I was scammed by a fraudulent psychic named XXXX XXXX XXXX who charged my CashApp account XXXX dollars and XXXX in cash for a spiritual work that resulted in fraud, he also scammed other people and after I informed the CashApp company they promised to investigate and for the past week all they did was emailing back and forth with lies stating they would refund if I provide a police report I did provided the copy of the police report card even evidence of a complaint also filed with the attorney general, the fbi and ftc and after I provided all that evidence they closed my investigation stating they cant do nothing, this cashaap company is deceiving they allowed this type of fraud and do nothing to refund the money stolen I found they were punished by your company for not handling properly the customers complaints and thats exactly what they did in my fraud case that I reported to them, they just lie and email from several different agents pretending to help just to close the complaints and do nothing these people should be investigated and prohibited from doing business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
ATTACHED IS EMAIL TO THE EXECUTIVE OFFICERS AT WELLSFARGO My name Is XXXX XXXX XXXX. I have been a Wells Fargo customer since XXXX in XXXX. 
Around XXXX maybe, i added my mom XXXX XXXX as a user on another account ATTACHED TO MY ACCOUNT. 
ON XX/XX/XXXX I LOST MY FAVORITE GIRL ( MOM ) VERY UNEXPECTEDLY. 
I received death certificates on XXXX. 
I THEN RECEIVED A LETTER FROM WELLS FARGO REQUESTING A DEATH CERTIFICATE. THE LETTER WAS SENT BACK TO WELLSFARGO with Dates of death and so on. 
I had an ATTORNEY AND MY ASSISTANT monitor this account as iwas in a very dark place.Everything seemed ok no one reached out to me. I log in to the account possibly in XXXX / XXXX and I see Wells Fargo is allowing this account to operate. They are adding monthly fees, as well as paying creditors who have already been contacted. 
I contacted Wells Fargo, these people are questioning me like I'm a criminal and not the victim. I received a few calls from higher ups. Today I received a call while being asleep explaining that I would receive a letter. Me .... just understanding that WellsFargo and their History and Reputation ..i log in to the account .they have the account in a negative almost XXXX balance. 

I'm not wasting another minute of my life on the phones with these XXXX XXXX, from this day forward its legal actions. 
I WILL NOT CALL ANOTHER CREDITOR TO EXPLAIN ANYTHING, THE COMPLAINT WILL NOW GO TO Federal Trade Commission. 


KEY COMPONENT I KNOW THEY RECEIVED THE PROPER INFO TO CLOSE THE ACCOUNT, BECAUSE AS OF XXXX THE CARD FOR THE ACCOUNT NO LONGER WORKED. 

ONCE THIS IS CLEARED .I WANT NO AFFILIATION WITH WELLS FARGO EVER AGAIN.COURT IT IS. 

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