BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-05
Company: Synovus Bank
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This card was from First Progress. It was secured and I deposited XXXX from my bank XXXX XXXX. When First Progress was delayed in forwarding my card I changed my mind because the phone contact they gave when I filed the app XXXX XXXX XXXX XXXX XXXX and not First Progress. Their CS stated that they were familiar with who they were however did not handle their service. I went to XXXX XXXX and filed a dispute in order to cancel the process.. A couple of days later the card arrived. However a day or two later I received a statement where they had already taken the annual fee but were going to take another XXXX annual fee at the end of the month. So I contacted XXXX XXXX and they confirmed the XXXX XXXX  contact issue and filed the dispute regarding the annual fee. I wanted the entire process canceled and my monies returned. When I called First Progress the acted as it they didn't know what the XXXX I was talking about claiming they couldn't see the statement they sent me but viewed different into on their screen. Mind you I hadn't even activeated the card. in fact I still haven't because the wouldn't allow me to claiming that they had to take late charges when they had already taken the XXXX money out. This was my money. So finally when XXXX XXXX filed the dispute the monies were returned. Then a few weeks later my account was showing in the negative and XXXX XXXX had allowed them to take it my money back. Now this is a crime.on the part of First Progress. and if XXXX XXXX is in cohorts they will be viewed as an accomplice. It is Theft by Deception. I want my XXXX money back and it you feed me XXXX  I'll have your head supervisor arrested for obstruction of justice. They better have my mony back in my acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TD BANK US HOLDING COMPANY
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:
NORDSTROM is not under any LAW required to report any of my private consumer transactional information. NORDSTROM HAS THE OPTION TO REPORT MY INFORMATION TO THE CREDIT REPORTING AGENCIES which is why the consumer has the RIGHT to demand financial institutions to withdraw their reporting under 12 CFR and the FCRA. I have placed NORDSTROM on PROPER NOTICE on XX/XX/XXXX that I under 12 CFR 1022.24 and 15 USC 1681b permissible purpose request that NORDSTROM CEASE ALL REPORTING OF MY CONSUMER TRANSACTIONAL INFORMATION TO ALL REPORTING AGENCIES and was given 30 days to comply and perform their fiduciary duties accordingly. As of today XX/XX/XXXX  NORDSTROM has received my Notice and have willfully continued to report my consumer transactional information against my request, against my RIGHT, against CFPB regulations under 12 CFR and against the FCRA.NORDSTROM appears to be acting on its own accord with a total disregard to the LAWs it is obligated to perform under. NORDSTROM is in willful noncompliance!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: United Collection Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A mailing correspondence was sent to my ex wifes relative house at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have never lived at this address. I have never done business with this company United Collection Bureau , Inc. nor have i ever given consent or authorization for this alleged debt collector to have any of my personal/private information. I do not have any knowledge of this alleged debt, I dispute the validity of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
At the beginning of XXXX two separate bill payments were sent from my Chase XXXX account. The intended recipient was my XXXX  XXXX XXXX checking account. The funds never arrived in the XXXX XXXX  XXXX checking account and instead were sent to something called XXXX XXXX XXXXXXXX XXXX which may stand for XXXX XXXX XXXX. 

I have attempted to work with Chase claims as well as its online support and escalations department since. I have also worked extensively with XXXX XXXX XXXXXXXX as well. 

Chase insists that the funds were transferred per my instructions. But what I have found from XXXX XXXX  XXXX is that the funds were not sent to them. Instead, they were sent to some other company that handles investments like XXXX XXXX. 

I need Chase to help track where my funds were sent and help me in retrieving the funds with whoever it was that received the transfer. I have asked for this repeatedly but they instead just take a claim and respond denying to take any action. 

They state the following : We found that the transaction ( XXXX ) was sent according to the recipient 's email/phone number and the instructions you provided. 
No adjustment will be made to your account at this time. 
Contact us if you would like to request the information we used for our research. 

I know that the funds were transferred incorrectly, and I need Chase to help in recovering the funds. Chase has tracking numbers that they should be able to use to identify the recipient and then help to work with them to refund the transfer to my XXXX account. Chase is the only XXXX who can do this, as I can not identify the receiving institution and even if I could, they would insist that Chase works with them directly as the sending bank. 

In addition to helping to recover my funds, I feel that it was too easy to send this money to the wrong recipient. Chase should have more comprehensive instructions in its bill pay system as well as a process for checking and rebounding funds sent to the wrong place. In this case, my XXXX XXXX XXXXXXXX account number was used in this transfer and once the system read that the number did not match the accounts in the destination, the system should have blocked the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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:
XXXX fraudulent accounts appearing on credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: AZ
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 Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX Account number : XXXX has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following information. Any other adverse item of information, other than convictions of crime which antedates the report by more than seven years. 
15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-24
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have disputed a bankruptcy that was placed on my accounts from credit bureau I have no knowledge of the proceedings I notified bureau who refuse to remove the inaccurate information all I was told from the bureau was that the bankruptcy was dismissed which Im sure of that if it was reported fraudulently this has caused me to become homeless with my XXXX kids I told them who seems to not care.my life has been destroyed due to identity theft or some sort of mix up

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Affirm Holdings, Inc
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Adverse Action Notice Recently, I exercised my right to credit yet was unlawfully denied that right. 
This is a direct violation of my rights as a consumer. 
15 USC 1602 ( f ) tells me credit is my right. I can not be denied a right.

15 USC 1691 ( 3 ) I exercised my right to credit.

15 USC 1602 ( g ) - the term " creditor '' explains I am the person who regularly extends credit. I credited this transaction so how can you deny me?

15 USC 1681 ( k ) Adverse Action - nothing under Adverse Action gives you the right to deny me.

15 USC 1602 ( I ) I credited this transaction as a creditor from my credit card, this was a credit transaction from my credit card.

15 USC 1602 ( p ) unauthorized use, you ran the credit card and I received no benefit.

15 USC 1602 ( p ) makes it clear that you committed fraud and used my credit card without authority and I received no benefit from this transaction. 
15 USC 1691 ( a ) ( 3 ) makes it clear that I can not be discriminated against for exercising my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I have disputed a bankruptcy that was placed on my accounts from credit bureau I have no knowledge of the proceedings I notified bureau who refuse to remove the inaccurate information all I was told from the bureau was that the bankruptcy was dismissed which Im sure of that if it was reported fraudulently this has caused me to become homeless with my XXXX kids I told them who seems to not care.my life has been destroyed due to identity theft or some sort of mix up

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 2023-02-19
Company: RoundPoint Mortgage Servicing LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello. 
Our mortgage was issues XXXX. The original purchase price was XXXX. XXXX our remaining balance was XXXX, which is 79 %. I submitted an application to remove PMI, because our LTV ratio based on the ORIGINAL purchase price was less than 80 %. The mortgage company is insisting we provide a list of significant upgrades, whoever this should not be necessary because of our LTV ratio. I have tried to explain this to them over email and phone multiple times but the people that handle the request do not have a phone number so the people I call can not help me. I have learned that our mortgage is backed by XXXX XXXX and through phone conversations they have told me that the XXXX XXXX servicing system does not render a property value ( which I dont understand but it seems to be the issue ) I have a right to verify that the current value is at least equal to the original value by a restricted appraisal or a BPO but the mortgage company need to order this appraisal or BPO and they are not willing to do 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 2023-03-15
Company: Tower Loan of Mississippi, Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights. 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Debt Recovery Solutions, LLC
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Collection detected on credit report Debt Recovery solution balance of {$170.00} I contacted DRS on XX/XX/2023. I am unaware of this account I didnt receive any letters about this account through mail. I did not open this account. Ask for removal off credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: CBC Companies, Inc.
State: CA
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:
XXXX XXXX, Innovis, ( XXXX ) XXXX XXXX XXXX, XXXX XXXX, & XXXX where all told to put freezes on my report and also delete all old address off of my report ( XX/XX/2023 ) because of illegal actions and Identification Theft. All charges on my credit line are not supposed to be there I have never put anything on credit nor signed up for so much as a credit card until this year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
Company: Block, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Square up is committing Fraud by accepting a credit card payment during a money transfer and then changing their policies mid course preventing the consumer or seller to obtain the funds and thus committing fraud.

Square has refused to allow me to refund the consumer or to deposit the funds so to allow for a refund or payment for services. 

There is now over a thousand dollars in the account which was blocked for no valid reason. 

Square is now demanding to assess the business account transactions, over the past three months, of which we never agreed to as this would allow for fraud to take place.

With this kind of sensitive information, the accounts can be hacked.

They are now asking for the User Name and Password of the bank accounts, to release the funds, which would allow them free access to all of our accounts and which we would never allow. 

On XX/XX/XXXX Square compromised our account and then said that the account was now safe, when in fact is was not.

I want my own private bank to take over our merchant services and to close this account as soon as possible.

Square is next to impossible to reach by phone and provided disinformation to me regarding my account.

Square has insulated itself from merchants being able to report fraud, as what happened in my case on XX/XX/2022 when my account was hacked. 

Square promised to correct the situation, which apparently it did not.

Rather they set up a series of road blocks preventing merchants from accessing their funds, while allowing back actors into the merchant accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: OR
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX ACCT XXXX ORIGINAL AMOUNT XXXX. ACCT BALANCE XXXX Dear Equifax Manager The XXXX XXXX XXXX along with Equifax are falsely added to my credit report without my prior knowledge. The mentioned details are incorrect and I request you to revise the report after due diligence. 

I request you to clear my credit report as soon as possible to help me continue business. This account do not belong to me, any account that I am responsible for I am paying or have payed as its my responsibility to do so but not for something that isnt mines. Its against laws to make or force collection, debt and its not accurate or correct or belong to the actual person. 
I ask that I only have accounts that belong to me, respectfully. 

Please look into this matter and do the needful as soon as possible. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/XXXX In XX/XX/XXXX, some hack my cell phone and open up an Amazon Account in my name through Synchrony Bank. I was also blocked out of my XXXX account until XX/XX/XXXX. I had to send XXXX copies of my incense to get back into my XXXX account. When I got back into my XXXX account, I saw all these emails from Synchrony Bank about owing money on an Amazon Card. I contacted Amazon the first week in XX/XX/XXXX and told them this was a Fake account. I ask them to close the account. The account at that time was {$1000.00}. Amazon refuse to close the account because they said they could not verify it was me. The hacker used my XXXX and my phone number to open an account. Since then I have change my phone number and closed that XXXX account. I contacted Synchrony Bank Fraud department and explain to a Fraud specialist that I did not open the account. He asked for my address which was not the address on the account. At this time, three weeks in XXXX, the balance was {$3100.00}. I was sent paperwork t fill out which I did. I also included a copy of the police report I filed because the hackers had charge two phones on my XXXX account.I receive a letter today XX/XX/XXXX about a payment not going through on this account which is suppose to be closed. I called the bank and they gave me the run around again.

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 2023-02-17
Company: EQUIFAX, INC.
State: VA
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 a copy of my driver license and social security card with this letter. Please delete and remove this address ( XXXX XXXX XXXX XXXX, VA XXXX ) from my credit report. 

I do not live or have ever lived at this address. 



XXXX15 U.S. Code 1681 section 602 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

-15 U.S. Code 1681 section 611 ( a ) ( 1 ) Reinvestigation Required -15 U.S. Code 1681 section 616. Civil liability for willful noncompliance -15 U.S. Code 1681 section 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I am trying to refinance my mortgage to get a lower interest rate. My 2nd loan with 21st mortgage   statements have a statement balance of {$28000.00} When the loan pay off was requested they added an additional {$7100.00} of accrued interest. 

This is unfair because I expected my payoff to be close to the statement balance. 

My statements have never shown any accrued interest accumulating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Atlanticus Services Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Fortiva authorized a fraudulent credit card at XXXX XXXX XXXX in XXXX in my name in late XXXX. I learned of this and reported it to Fortiva early in XXXX. 

I filed an affidavit of FRAUD in XXXX of XXXX. Fortiva sent an acknowledgement by email on XX/XX/XXXX, that I had reported the account in my name at Fortiva as fraudulent. 

In XX/XX/XXXX, despite my reporting this fraud, Fortiva reported my account as delincuent to credit agencies. They continued to make monthly derogatory reports on my account until XX/XX/XXXX. 

Fortiva sold this account to XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, well after my written and verbal reports and Fortiva 's acknowledgement of the fraud. XXXX 's attorneys, XXXX XXXX XXXX, XXXX XXXX, called me in XX/XX/XXXX. I explained to XXXX XXXX that the account was fraudulent. And XXXX XXXX confirmed that his firm reported the account as fraud and returned the case to XXXX. XXXX has not reported the account as delinquent on my credit. However, FORTIVA 's negative reports to credit agencies from XXXX through XX/XX/XXXX have not been removed. 

This account continues to be reported on my credit report, and is causing serious damage to my credit. My credit score has dropped XXXX points, limiting my ability to obtain a mortgage on a home under contract. 

We have been calling Fortiva, XXXX and XXXX XXXX XXXX for several weeks to remove this report of fraud & they refuse to do so.

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