BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: Block, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Multiple transactions were charged against the account I notice the transactions immediately and contacted cash app and they said I had to wait for the transactions to complete before they could do anything which I thought was very odd. The charges occurred in XXXX I have contacted them multiple times and they keep telling me they are being investigated it is two {$100.00} charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom this XXXX concern, I just recently discovered that there is some unauthorized information in my name being used on my credit report and would like to file a dispute. This information is unauthorized, and I do not approve for it to be reflected on my credit report. It is inaccurately reporting on my Experian credit profile, as it does not show upon my XXXX and XXXX credit profiles. I believe that I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized. I have tried XXXX times to contact this well as EXPERIAN regarding this inaccuracy. I have sent a cease and desist, XXXX XXXX XXXX, XXXX XXXX letter asking to accurately verify this collection/debt through certified mail also explaining my rights and consumer laws that have been violated by their company ( XXXX ). I have received XXXX results from these company ( XXXX ). I am insisting that they be deleted from my credit report as soon as possible. There is no proof of my authorization or consent, my signature or proof of debt/contracts.

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 2022-08-24
Company: Experian Information Solutions Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
mI am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge or inquiries. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trae Commissions Identity Theft Affidavit. Please delete the items as soon as possible this is affecting my life now that I'm done with school and I was looking to get mortgage for my family and notice I have over 40n inquiries most was from the same company this has shown careless actions on whoever bruisey credit.

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 2022-12-28
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have applied for PSLF through my servicer, MOHELA, and subsequently received incorrect information concerning the number of qualifying payments. When I contacted them, which took over 2 hours on hold numerous times, I was told they were aware of it and they were mailing out incorrect information to everyone. Later, I received a rejection letter stating that my employer is not a Public Entity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't know how much more public I can get. I have since reapplied, before the XX/XX/31 deadline, but have yet to hear back. Calling no longer does any good. After 2 hours and 16 minutes on hold their system automatically hangs up on you. I've documented this numerous times, with numerous phones, over 2 different wireless networks. They are completely incapable of handling the volume of business they have taken on. Thank you in advance for any help in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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: Information belongs to someone else

Complaint:
XXXX XXXX is constantly trying to show they are working in good faith as it relates to our case. XXXX  XXXX continues to show up. RIDICULOUS! 

I am uploading the last communication received which was XX/XX/XXXX. My spouse returned the call from a XXXX Representative named XXXX on XXXX XX/XX/XXXX. Her XXXX is full. 

In the attached documents you will find a schedule of payments XXXX said we made. We NEVER had an initial Loan with XXXX. This was a part of a XXXX  Scheme coordinated by XXXX XXXX closing attorney who staged a fraudulent closing. 

It appears 2 loans were taken out in our name using our info and signature pasted. It was confirmed we did not receive a initial loan in XXXX, Again, how did XXXX XXXX pop up. We financed furniture through them ONLY. We know our information was used to complete applications for a Home Mortgage. I have uploaded the information. 

In addition, we received a scheduled of payments we SUPPOSELY MADE TO XXXX. We never the payments in the referenced attachment. 

This information was created by the submitted Fraudulent 1098 's we submitted to my Attorney XXXX XXXX XXXX who has sold us out OR MY WIFE 'S PREVIOUS XXXX TRUSTEE XXXX XXXX WHO STOLED ALL OF OUR ASSETS..HE DID NOT INVESTIGATE THE FRAUD, It appeared he sent the 1098 's to XXXX and they created the Fraud Ledger. WE NEVER HAD A MORTGAGE WITH XXXX XXXX. WE NEVER HAD A MORTGAGE WITH ANY BANK. OUR MONEY., ID AND MORE WERE STOLEN! 

We know there are four additional persons of interest, We will not list the names for now.

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 2022-08-03
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: Information belongs to someone else

Complaint:
XXXX XXXX is constantly trying to show they are working in good faith as it relates to our case. XXXX  XXXX continues to show up. RIDICULOUS! 

I am uploading the last communication received which was XX/XX/XXXX. My spouse returned the call from a XXXX Representative named XXXX on XXXX XX/XX/XXXX. Her XXXX is full. 

In the attached documents you will find a schedule of payments XXXX said we made. We NEVER had an initial Loan with XXXX. This was a part of a Ponzi Scheme coordinated by XXXX XXXX closing attorney who staged a fraudulent closing. 

It appears 2 loans were taken out in our name using our info and signature pasted. It was confirmed we did not receive a initial loan in XXXX, Again, how did XXXX XXXX pop up. We financed furniture through them ONLY. We know our information was used to complete applications for a Home Mortgage. I have uploaded the information. 

In addition, we received a scheduled of payments we SUPPOSELY MADE TO XXXX. We never the payments in the referenced attachment. 

This information was created by the submitted Fraudulent 1098 's we submitted to my Attorney XXXX XXXX XXXX who has sold us out OR MY WIFE 'S PREVIOUS XXXX TRUSTEE XXXX XXXX WHO STOLED ALL OF OUR ASSETS..HE DID NOT INVESTIGATE THE FRAUD, It appeared he sent the 1098 's to XXXX and they created the Fraud Ledger. WE NEVER HAD A MORTGAGE WITH XXXX XXXX. WE NEVER HAD A MORTGAGE WITH ANY BANK. OUR MONEY., ID AND MORE WERE STOLEN! 

We know there are four additional persons of interest, We will not list the names for now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am consumer and I am submitting this complaint without any other party or credit repair organization. I despite several request for XXXXXXXX XXXX for compliance to the Fair Credit Reporting Act 15 USC 1681b ( a ) ( 2 ) instructing XXXX to cease furnishing and remove my nonpublic personal information associated with any account or inquiry from any and all consumer reporting agencies, to include XXXX, XXXX, Experian. XXXX has dishonored my right of privacy and confidentiality in disregard of 12 CFR 1016.15 ( a ) ( 1 ) and the congressional findings of 15 USC 1681. 
Enclosed is a letter dated XX/XX/2022 received by XXXX refering to an inquiry instead of the disputed non-public personal information alleging to be the Credit Consumer Financial Protection Bureau Management as deceptive and unfair practice in violation of 15 USC 1611 and the Fair Credit Reporting Act impersonating 15 USC 1692e ( 1 ) the Bureau.

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 2022-08-03
Company: EQUIFAX, INC.
State: LA
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 have noticed many incorrect items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: PNC Bank N.A.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I was solicited by my bank over and over for a XXXX loan for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I only qualified per my taxes and letters the representative ( over the phone ) told me to send in based on all income I received. I was reluctant but the reason assured me if I used the loan for the approved reasons it would be forgiven. I took the loan which was about {$5500.00}. I kept calling about XXXX forgiveness paperwork as the window was closing for forgiveness. PNC never sent anything BUT did call me back a few days before the forgiveness period deadline was supposed to end and sent a link and told me to apply online for forgiveness. I accessed the portal to find I had no access to providing information for forgiveness. PNC had already set the site up where applying for forgiveness was not an option. I called the representative back to discuss and find out what happened. He said they made a mistake and I would have to complete the link and pay the loan back. I went into a PNC branch to dispute they were no help. I asked for information of the person over XXXX loans for PNC they would not provide that information. My taxes clearly show my XXXX XXXX on my taxes which is how PNC determined the amount of my loan. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX PNC misrepresented this loan. They did not know what they were doing. They should not have solicited, qualified me and granted me a XXXX  IF I didnt qualify. I would not have taken this loan IF I was going to have to pay it back. To make matters worse, they have been auto debiting my business account for over a year now. This is bad business practices and they should be reported to professional regulations. I did nothing wrong here but I am being punished. This has created an even further financial hardship during these difficult pandemic times. 
There were several different loan reps from PNC when they were constantly emailing and calling me to offer me the XXXX loan. Its obvious this was something new and the representatives were not properly trained or understood the programs and were only operating from the standpoint of the bank benefiting from these governmental programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: TX
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
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 was scammed by a PayPal user with this email XXXXXXXXXXXX He was meant to send me something in return. I made a mistake by sending the money as goods and services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX, 2017, I received an electronic communication stating that Capital One 360, an internet based bank, wanted to transfer my money to an undisclosed third party. The bank stated that they placed an electronic block on the account. Therefore, I did not have access to my account. To this date, they refuse to remove the electronic block. They also stated that they closed the account without evidence or due process. They also refused to provide records such as bank statements. The checking account number is XXXX. The account still has funds available.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: CCS Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Someone stole my personal information these debt collectors are trying to collect {$660.00} say I have a bill in my name that I am unaware of

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: NE
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:
see CFPB complaint XXXX The account became past due because of the handling of the termination by XXXX to get to the resolution ( to extend ). I requested that they make sure that there is no negative reflection my credit as a result. Unfortunately, the additional feedback did not resolve the credit reporting, so I filed a dispute through Equifax. 

Upon filing a dispute with XXXX to correct credit reporting they have reported me late for their mishap with handling of my lease termination. I would have never been late, if they had initially accepted to extend my lease and accept payment. As such, I request the late history deleted. My score tracker with my monitoring service is XX/XX/685, XX/XX/686, XX/XX/706, XX/XX/642 XX/XX/657 and XX/XX/629 - since XXXX that's XXXX points down which I'm sure we can attribute to this misreporting that I noted trending downward in XXXX to make the dispute. Also, the car has been turned into the dealer, but they are showing as of XX/XX/30 a balance owing. This makes me really upset that they can not get this right and I'm scheduled to lease from them again all of which this bad service and negative reporting is effective my cost of credit and use of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2022, I submitted a payment to Comenity bank on my BJs MasterCard to pay my outstanding credit card bill in full -- as I do every month. Comenity lost this payment in their system and was unable to correct their error until XX/XX/2022 ( yes, that's 98 days later ), despite dozens of phone calls and documentary proof of my payment submitted by me. Throughout this ordeal, I continued to make payments in full each month to cover all of my purchases from the previous billing cycle. I asked Comenity to hold off on applying any late fees or finance charges to my account while they searched for my lost payment. Comenity refused. Instead, Comenity applied the following charges : XXXX, {$30.00} late fee and {$39.00} finance charge ; XXXX, {$47.00} finance charge ; XXXX, {$43.00} finance charge ; and XXXX, {$30.00} finance charge. This is a total of {$190.00} in improper and baseless charges. After finally locating my payment, Comenity refunded only {$53.00} to my account : the {$30.00} late fee ; a {$22.00} finance charge refund backdated to XX/XX/XXXX ; and a {$0.00} finance charge refund backdated to XX/XX/XXXX. Comenity still owes me a refund of {$130.00} in improper fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-24
Company: Early Warning Services, LLC
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This complaint is addressed to ZELLE and XXXX XXXX, a bank with financial interest/ownership in Zelle. 
I was scammed for {$600.00} online by an imposter impersonating a known person with a verified account ( former government employee ) on XXXX on XX/XX/2022. 
The verified account posted having a small number of XXXX  for {$600.00} which would be going to charity. In Direct messages, the person directed me to make payment thru Zelle and provided an email address of his personal assistant linked to the Zelle account XXXX. I sent payment of {$600.00} at XXXX through my Zelle account which is by default in my XXXX XXXX checking account within the app/account features. The email given was verified by Zelle ( banking information was confirmed by Zelle ). 
Within minutes of sending payment, the verified XXXX account posted that his account had been hacked. 
I immediately called XXXX XXXX to report the fraud and request stop payment. The representative completed a report to investigate. They replied days later that they will not be refunding my money. 

I then attempted to contact Zelle, and could not directly report the fraud to them because my Zelle account is through my bank. I spent almost an hour trying to contact them, and eventually found a link to submit a complaint. Zelle 's response was to thank me for submitting to protect others, but NO REMEDY for my own fraud, reported within minutes. 

My Zelle payment was sent to someone other than the intended, and I have not received any remedy to my payment or the fraudulent account linked to it. 

Banks that include Zelle within the customer banking website/app have a duty to protect their account holders from fraudulent payments. 

Zelle is an unethical operation offering no protection to it's customers. For this reason, it is the payment option of choice for fraudsters and scammers. 

Zelle needs to be held accountable for transferring money to verified bank accounts as they already have the fraudster 's information and linked banking. 

XXXX XXXX and all other banks that partially own Zelle need accountability and consumers should have protection against fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit System has been reporting an old debt and has completely false dates about when I was living at the complex for the lease agreement. I do not know if National Credit Systems is the one providing false dates or if they purchased it with false dates. I have not lived or paid anything to the management company in over 7 1/2 years. I called them and spoke with a nice representative telling me I need to file a police report about it. I have asked for these documents that supposedly say I lived there in XXXX, which is impossible as I was under a different lease agreement at the time in XXXX XXXX. I have yet to receive these documents via email as requested. When I do receive them I will investigate further. Am I actually required to file a police report for false aging of a debt?

Company response to consumer: Closed with explanation