BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: Block, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Someone on XXXX was selling tickets to the XXXX vs XXXX game for {$160.00} for two tickets. They stated they would transfer the tickets to me thru ticketmaster as long as I sent them payment of {$160.00} thru Cash App. I sent them {$160.00} thru Cash App and never received the tickets. I contacted them thru twitter again several times via direct messaging and they eventually blocked me. I reported the account to XXXX and no resolution came. XXXX also has a policy in which reported DMs ( direct messages ) and conversations will disappear from your inbox and can not be recovered. That makes no sense to me, considering if you are reporting an account for fraudulent/scam behavior why would XXXX remove that conversation after being reported? From there I reported the transaction as a scam with Cash App and requested a refund thru Cash App on XX/XX/22 and they stated they would let me know the outcome on XX/XX/22. Cash App responded today on XXXX and said " We're truly sorry, but we were unable to recover your money. However, your report will help to prevent future scams. Thank you. '' This response and resolution is unacceptable, especially given the lack of response from Cash App for over two weeks. Neither XXXX or Cash App was very helpful or provided guidance as to how I can recover my money or report this scam to get further assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: NC
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 reported a late payment of 30 days on XX/XX/XXXX in the amount of XXXX dollars, and XXXX XXXX XXXX XXXX reference # XXXX on XX/XX/XXXX reported a XXXX XXXXBankruptcy and in doing so has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account information without my written instructions.

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 2017-06-07
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Account #  XXXX   Professional Adjustment says I owe {$620.00} on my credit report. I have asked the credit bureaus to validate t his debt. I have also called professional adjmnt Company who says they can not talk to me they have a cease and decease they have never sent a bill or validated this debt with me. They are voilating my right to have this date validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Io, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection reported on my credit report I owe them XXXX. On XX/XX/XXXX I sent certified mail disputing this debt and requesting competent evidence bearing my signature showing that I have some contractual obligation to them. I received notification that I in fact I owe. The company sent a letter and an itemized bill. I provided them a second certified mail on XX/XX/XXXX again to provide me a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount. I have not received any notification. They inform the credit bureau that I disputed but no other action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: EQUIFAX, INC.
State: GA
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:
Hello, I'm been trying to fix my credit and it's been stressful dealing with XXXX EQUIFAX, AND XXXX. They are cleary ignoring my request for investigation that inaccurate accounts. I'm really trying to get my life together and they are holding me back. also, I did give XXXX EQUIFAX, AND XXXX consent to report anything on my consumer report according to 15 U.S. Code 1681b - Permissible purposes of consumer reports. Here are the accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX _ XXXX XXXX XXXX Account # XXXX _ XXXX XXXX XXXX Account # XXXX _ XXXX XXXX XXXX Account # XXXX _ XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hello, I'm been trying to fix my credit and it's been stressful dealing with XXXX XXXX, AND TRANSUNION. They are cleary ignoring my request for investigation that inaccurate accounts. I'm really trying to get my life together and they are holding me back. also, I did give XXXX XXXX, AND TRANSUNION consent to report anything on my consumer report according to 15 U.S. Code 1681b - Permissible purposes of consumer reports. Here are the accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX _ XXXX XXXX XXXX Account # XXXX _ XXXX XXXX XXXX Account # XXXX _ XXXX XXXX XXXX Account # XXXX _ XXXX XXXX Account # 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 2017-06-05
Company: Bread Financial Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had a Victoria 's Secret credit card and used it twice for my own purchases and paid them off. Then a person I was living with stole my card and charged over {$500.00}. I tried contacting Victoria 's Secret to dispute the charges but they said that they would not because there is no way that someone else used my card. I told them that I refuse to pay a debt that is not mine but they persisted and then after not receiving money for a year they sent it over to collections. I am just now finding out that I can dispute the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: Greystone Alliance LLC
State: SC
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 was charged fraudulently over XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX. I finish lease rent was only XXXX a month.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-02
Company: Navient Solutions, LLC.
State: FL
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:
On XX/XX/2020 I submitted my annual repayment request to renew my income based payment. I submitted my paystub that was dated within the 90 day period. I also receive social security income. The letter I received from social security does not have a date on top of the letter stating the date the letter was issued. However, the body of the letter details the payment amounts for 2020 beginning on XX/XX/2020, which is well within 90 days of the XX/XX/2020 application date. I received correspondence from Navient advising that they are rejecting the letter from social security since there was no date on top of the letter. I called and spoke to a representative on the phone on or about XX/XX/2020. The representative advised that I was correct and the letter body contained the necessary information and submitted a request to have the reps re-review the document and accept it and if not, they would base my payment amount on my paystub income. She told me to look out for the document that would advise of my new payment amount. However, the letter the I received rejected the document again and then increased my monthly payment to over {$1000.00} per month, which is almost equivalent to my monthly income based on their rejection of my document although I can not require the social security administration to include a date on the top of my letter. When I asked what documents they would accept, they advised employer letter on employer letter head, pay stubs or W-2s, none of which are issued by the social security administration. I am jsut trying to be completely honest and transparent regarding my income so that I can pay the proper amount and they are doing everything in their power to reject my efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ENHANCED RECOVERY CO L. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: MoneyLion Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I opened a Credit Builder Plus loan with money lion in 2021 for {$500.00}. It has been a nightmare. I had tried to pay off the loan to close the account ( which charges a fee ) and the app would not work. I called, and they said I couldnt close the account due to a balance and they gave me an incorrect balance, stating I missed payments. It should not take over a year to pay off a {$500.00} loan, and their loan payoff practices are extremely shady. 

In addition to the above, they have an XXXX feature. I used the feature a couple times, and then it got hacked. I attempted to contact their fraud department, and they just sent me a form to email back ( XX/XX/2021 ) .They denied my claim, and I had to close my checking account that Ive had for over a decade to prevent further money being taken from my account to repay those instacash advance payments.

Now, Im again trying to close this account. Ive already reported it to the credit bureaus. They are not letting me close it because I have an XXXX balance from the fraudulent activity ( which I am not willing to pay ). 

Ticket/support reference IDs : XXXX and XXXX for all relevant information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-05
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a promotional solicitation on the  American Express appli cation offering me {$100.00} credit voucher if I made a {$600.00} or more reservation using t he American Express trav el application. I selected the offer & proceeded to make a a {$660.00} hotel reservation  on  XX/XX/XXXX  t hrough  AMEX travel through my American Express app. This is on my American Express bill for  XX/XX/XXXX . Having been more than 30 days I called to check on the status and was told that no such offer existed. After challe nging this I was told the offer existed but I did not enroll. After challenging this further I was transferred to multiple individuals including  XXXX ,  XXXX   XXXX  and  XXXX . Several claim to be supervisors although none ended up being. All of the individuals claim to be able to do nothing. Finally after  two hours and  repeated phone calls the last representative I spoke to a tend a reference ticket  XXXX . So far they have refused to acknowledge this bait and switch or the fraudulent activity on their part. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-15
Company: Frontline Asset Strategies, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The amount is in correct. On my report stated my loan was {$810.00} with a balance of {$490.00} owed. I have been paying them {$25.00} every two weeks. So far I have paid them {$370.00}. But, we I reached out to them because I didn't see my balance change they said I owe the whole balance. And the company name is different from my report. I have proof from my bank account. So, then he changed the amount owed after I talked to him to the {$390.00} balance. And they are reporting that I'm not paying on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2022 I was sent XXXX to my account on XX/XX/2022 I did a transfer of that XXXX to be in my bank. It states it takes 3-5 minutes instant transfer. All of the sudden it takes 24 to 48hrs to review not even get the money to be reviewed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
There has been numerous times that my wife and I have both received notification that we were either approved denied a Chas e Amazon.com Vis   XXXX  CC over the past year or so.  <P/> We notified the company many months ago and this has occurred more times including as last as   XXXX   XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I regards to my previous complaint # XXXX. 

I am in receipt of a written correspondence from Equifax stating they were unable to locate a consumer profile in their database. Equifax then continued to demand private information from me to allegedly verify my identity. This is quite a contradicting demand and response. According to Equifax they have no consumer profile in their database for me so how is it Equifax demanding information to verify something they claim to not posses? How will Equifax verify this? If I provide my private information what database will Equifax match it against to verify my identity? Furthormore, Equifax have ignored my demands I have made in my previous complaint # XXXX. 

As a private XXXX XXXX I am entitled to reserve all my rights pursuant to the 1974 Privacy Act. ( The Privacy Act is a federal law in the United States that regulates the collection, maintenance, use, and dissemination of personal information by government agencies. It was passed in 1974 and applies to all executive branch agencies of the federal government. The Privacy Act places restrictions on the collection, use, and dissemination of personal information, including the requirement that individuals be notified of the information collected about them and given the opportunity to correct any errors. It also gives individuals the right to access their personal information held by the government and to seek redress if their information is mishandled ). 

Now that I have made that clear that I have not given any consent for Equifax to infringe, furnish or sell my private information I must highlight the fact that Equifax is has received Multiple documentation proving my identity. 

I have attached substantial evidence that Equifax has received these documentations and also My proof that my information has been in Equifax 's Data Breach. 

All this is UNAUTHORIZED USE OF MY PRIVATE INFORMATION BY EQUIFAX. 

THIS IS MY LAST ATTEMPT TO RESOLVE THIS MATTER IN GOOD FAITH. 
IF EQUIFAX DOES NOT RESOLVE THIS MATTER AT ONCE I HAVE NO CHOICE BUT TO DO A FIOA, AND GET THE IRS, DOJ, FBI, SSA, SEC, XXXX, INVOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: LoanCare, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I first contacted my mortgage loan servicer, LoanCare, in  XXXX   XXXX ,  XXXX . My home purchase and loan included the purchase of  XXXX  separate lots, each with their own tax id, and both lots have  separate county ta xes due on them each year. The contact in  XXXX   XXXX  was to let them know they did not pay the taxes on our smaller lot for the  XXXX  tax year, and that i know owed late fees and penalties. It took months, but they finally added the second lot to my escrow account to be paid for the  XXXX  tax year. I paid the taxes myself out of pocket, and paid the penalties and late fees as well. I had made several calls to customer service and was told they could n't help me on the phone and i had to wait for them to " research ''. I never heard back from them.     I next contacted the company on  XXXX   XXXX ,  XXXX . I got an email that a disbursement had been made to pay taxes. When I logged into my account, they once again paid the taxes on the larger lot and the house, but did not pay the taxes on the smaller lot once again. The smaller lot was listed, but the due date was incorrectly listed as  XXXX   XXXX  rather than  XXXX   XXXX  like it was supposed to, which was once again going to cost me penalties and late fees. I let the company know in  XXXX  that the due date was wrong and this needed to be paid in  XXXX . They still did not pay the taxes, so finally I paid the taxes myself out of pocket so i would not incur penalties and taxes. Once again, another missed payment out of my escrow account. I called customer service several times and was told multiple times they could not help me and i needed to wait for them to " research ''. I never received follow up correspondance.     Fast forward to this month,  XXXX   XXXX  I get an email from  LoanCare that a disbursement had been made to pay the property taxes on this smaller parcel that I had already paid taxes on 6 months ago. No explanation of why now, 6 months later, they decided to pay a tax bill they missed 6 months earlier and I already paid. Now i have to try to recover my funds from the county sheriff because, of course, the customer service folks could n't help me. Also, they somehow found out about a small amount of city taxes i owe to my township every year and added that account to my escrow obligations. This township specifically says these taxes can not be paid by the mortgager, and must be paid by the homeowner, so i assume LoanCare will make a double payment on these taxes when they co me due in  XXXX . This amount should not be paid by the escrow account.     I have sent  3 requests to cancel my escrow account to LoanCare over the past year because of their constant mistakes, and I have never received a single response to any of my three reque sts to cancel my escrow account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : BANK OF AMERICA XXXX Balance {$15000.00} ; BANK OF AMERICA XXXX Balance {$12000.00}

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 non-monetary relief
Consumer complaint received 2019-12-09
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient calls several times per day, leaving messages about my account being past due. Checking my account status shows it is not. If I answer the calls, Navient hangs up immediately. I have sent email about this and tried to call back, but after 15+ minutes of trying to get an agent, I give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
An account was opened under my name in Wells Fargo. I have never opened an account with them and I received a statement letter from them with the account information. I called and they said it will take them 45 days to investigate and they were unable to explain/ close this fraud account immediately. Im incredibly upset with my fraud experience with Wells Fargo. The fraud claim made with them is : 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