BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-03
Company: FISERV INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I have been scammed with money transfer through XXXX, XXXX, and 1-time transaction XXXX. XX/XX/XXXX XXXX and XXXX through XXXX. XX/XX/XXXX XXXX and XXXX through XXXX XXXX. XX/XX/XXXX {$50.00} through XXXX. XX/XX/XXXX, XXXX, XX/XX/XXXX with XXXX each which sums up {$410.00}. The merchant 's name was XXXX XXXX XXXX in the XXXX associated with XXXX XXXX that's part of the scam.

The company is Money network 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
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: MI
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:
Employment Info : Self Employeed XXXX XXXX XXXX XXXX. This is inaccurate and I gave nobody permission to post false information or nay information about me. 

XXXX XXXX XXXX XXXX : This is my account and accurate. Only this Inquiries ..... 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I have not given any of these company 's permission to pull my credit report. This is inaccurate reporting and I want this removed. 
XXXX XXXX XXXX Reported XX/XX/XXXX {$930.00} Outstanding XXXX XXXX XXXX Reported XX/XX/XXXX, {$930.00} Outstanding. This is not my account. This was my ex-roommate 's account with a rental company and other than living in the same house I had nothing to do with. This is inaccurate and ridiculous. This needs to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ( XXXX ) XXXX This is NOT one of my creditors. This needs to be removed asap. 

I am trying to establish my credit and these false and belligerent reporting 's have really messed things up. I hope this gets resolved asap.

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 2017-02-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
PNMAC MORTGAGE XXXX XXXX XXXX, XXXX, AS A SUBSIDIARY PNMAC XXXX XXXX, XXXX XXXX, XXXX COUNTY COURT OF COMMON PLEAS AND XXXX XXXX XXXX & XXXX filed an illegal foreclosure action in a non-competant judcial XXXX defined in XXXX XXXX XXXX XXXX a ) ( b ), which is outside the district to the United States XXXX PNMAC MORTGAGE XXXX XXXX XXXX, XXXX is fully aware that such attempts to avoid federal laws of the United states regarding interstate commerce, obligations of the United States is illegal. XXXX COURT OF COMMON PLEAS IS NOT a state defined in XXXX XXXX XXXX ( XXXX ), however is not exempt pursuant to XXXX XXXX XXXX. Accordingly under federal law and statues of the United States, constituions, consumer federal law preempts any state law that is inconsistant with federal law that provides less sufficieny in terms of consumer protection.The actions taken by all parties the consumers were upon private instruments, assets, consumer accounts, within interstate commerce, which are in facts obligations of the United States. Therefore, Defendants foreclosure upon, bringing suit against, seizing or by disablement, dispossession, accounts, instrumentalities of the Unites States, which includes the consumer. XXXX county court of common pleas would lack any jurisdiction, competently or otherwise, to engage in any acts against the United States. Defendants Failed to obtained prior consent from the Consumer, or permission from a proper, competent judicial court, district, before engaging in such acts. It is believed that defendants are acting on the false notion that the consumer is some sort of artificial entity, citizen, or other, corporation formed under their a XXXX XXXX laws. Therefore, XXXX Court of Common Pleas is properly defined as a debt collector, XXXX XXXX XXXX ( a ) ( XXXX ), collecting a debt defined in XXXX XXXX XXXX ( XXXX ). And not exempt under XXXX ( XXXX ) ( c ) .Conseuqently, and knowingly, no evidence has been presented to support this presumption. The consumer is not a citizen, state citizen and such creation of an entity without knowledge and consent is of the consumer is fraud, even criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Square Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Dear sir/Madame, i am contacting you regarding an electronic financial transaction in the amount of {$300.00} that i made on XX/XX/2020 at XXXX using an internet company called CASH APP. 
The purpose for me to use this app was for me to pay my accountant for preparing my taxes. 
The recipient that the funds were to be paid to, is unable to receive the funds through his cell phone using this company 's app. 
As a result of not being able to complete the transaction, i immediately tried to contact the company cash app 's phone number XXXX and was unable to speak to anybody from this company to assist me.There is no email address for the customer service. I am unable to get my money back from this company, The party that i sent the funds to,, the name and phone number were accurate. The recipient can see the funds, but can not recieve the funds.I need your assistance to get my refund as i am receiving no cooperation from this company to issue me a refund. 
My name and contact information is below. 
XXXX XXXX, cell phone XXXX.Email is XXXX XXXX XXXX   XXXX Thank you for your assistance in this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: SYNCHRONY FINANCIAL
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/21 Letter from Synchrony Bank received advising account closed Reason : '' Activity on account ( s ) with Synchrony Bank indicative of high risk or failure to pay. '' This was a Sam 's Club XXXX XX/XX/21 Letter from Synchrony Bank received advising account closed. Reason : " Account has been inactive '' This was a TJ Maxx XXXX. No issue with this XX/XX/21 Called Synchrony advised to file credit report dispute. Asked for supervisor as issue appears internal with Synchrony Bank. Explained to Supervisor XXXX that there must be an error, credit score above 780, no credit issues. Was told they will get back to me. 
XX/XX/21 Called Synchrony due to no response. Sppke with Supervisor XXXX. Re-explained. Advised they would get back to us. 
XX/XX/21 Called Synchrony, spoke with Supervisor XXXX. She advised she is having a ticket opened up for review and will take 1 to 2 billing cycles for response.

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 2016-01-17
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have XXXX accounts on my credit report. They both should have a XXXX balance and they do not. XXXX is XXXX, I have asked equifax for over a year to investigate they keep coming back with their information has been verified and is correct. It is not correct. The XXXX account is XXXX wireless which I have been fighting them for almost a year as well, and that account has a XXXX balance. I have asked for the method of verification and they do not provide that information. Their results for their investigation comes back within days so it is impossible for them to verify within that time frame. They need to remove the accounts from my credit report. This has gone on far too long and is keeping my credit score low because of XXXX. That is causing damage for me to refinance my house. Equifax is not able to provide accurate information and the public should know.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
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: Credit inquiries on your report that you don't recognize

Complaint:
Hello : The reason that I am writing is I recently received an email from Experian. The email stated that my XXXX score dropped by 5 points. The email did not provide an explanation. I tried to contact this worthless company but they just want to sell me a membership. This has to stop. I cant find any reason that my score would drop. ALL OF MY BILLS ARE PAID ON TIME. I want an opportunity to challenge this decrease but the company doesnt answer the phone and doesnt publish an email address. I wrote to the Whitehouse asking that these credit bureaus be forced to shut down until the economy is open. Please consider how you would feel if I tampered with your credit score.

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 2015-12-22
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
PROFESSIONAL FINANCE CO IS REPORTING A DEBT ON MY CREDIT REPORT THAT WAS PAID TO THE ORIGINAL CREDITOR. THEY HAVE NO REASON TO REPORT THE DEBT SINCE IT IS NOT OWED TO THEM.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-06
Company: Professional Medical Management, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My father and I share the same name. The company below : FINANCIAL RECOVERIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Keeps reporting a collection on my credit report. I 've disputed with both XXXX and XXXX. They removed it but it was recently added again a few months ago. I even called them and they verified that the date of birth and social on file do not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 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 XXXX, 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 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 non-monetary relief
Consumer complaint received 2020-08-03
Company: ALLY FINANCIAL INC.
State: MO
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:
Ally Financial : XXXX : Police report wrote that I was using this car for work and I was delivering news papers at the time of the accident. My gap insurance didnt pay out for this because of the false information that was filed by the cop who wrote the report. I was using this car for personal use only. I was driving from one job to the next and told the police officer this. They billed me for the remaining balance and I do not owe this. This cop wrote false information.

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 2017-10-12
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to communicate with Fay Servicing for the past 6 months with no successful outcome. In XXXX of 2016 my loan was transferred to Fay Servicing while my loan was already in default. A lender/servicer can not collect on a debt that is transferred during the default process. Additionally, Fay Servicing failed to provide me with a fair opportunity to reinstate or reconstruct my loan and provide no denial verbally nor in writing regarding their decision to not assist me, instead they told me my only option was to proceed with the letting the home sell at auction. I was in the process of getting the reinstatement amount out of my mutual fund but unfortunately the process can take 30-45 days to which I explained to Fay Servicing and they refused to allow the extension of time to allow me to do so. 
Additionally, the beneficiary of this loan is XXXX XXXX XXXX XXXX, whom was never registered in the State of California to do loans. Because they were never registered in the State of California the Deed of Trust shall be void ab initio. 
My violations as a homeowner have been severely violated at this point and Fay Servicing has failed to provide me with the opportunity to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: Credit Protection Association, L.P.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received over XXXX calls from Credit Protection Association L.P ( CPA ). I have spoken with them several of times telling them that my debt was through XXXX and that it was paid off to XXXX. I have been given an array of different information from CPA representatives ranging from my account name is under a " XXXX '' ( I am not XXXX, nor do I know a XXXX ), the account is over a year old ( but I never received a notice ), the account can not be found under my phone number ( but they still keep calling ), and the account wont be deleted until the balance is paid. I was instructed by XXXX to deal strictly with XXXX. I have done so and cleared my balance but I still keep receiving phone calls. I need the harassment to stop. Please help. 
Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-14
Company: Finance System of Richmond, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/2016 I started the process to get a debt from Finance Systems of Richmond validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XX/XX/2016 to the address listed on my credit report ( XXXX IN XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 ( 15 USC 1962e ), which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XX/XX/2016. No response, no validation, and they did n't mark my credit report DISPUTED, which violates the FCRA, Section 623 ( a ) ( 3 ). Already with no proof of my signature validating the debt and not marking my credit reports as be disputed, they have broken two federal laws. I sent a follow up letter dated XX/XX/2016, received and signed for on XX/XX/2016, stating to them that by not providing me with validation of the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XX/XX/2016, and there has been ZERO response from this agency. All letters have been ignored. I have all documentation of my attempts of correspondence with Finance Systems of Richmond and can provide them if need be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
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:
I never consented to authorize nor benefited from all Inquires and accounts mentioned on my Identity theft repot, Block and delete them. If I have received goods and services from the furnished Inquires and account, let XXXX, Equifax and XXXX have one of their senior executive certify under the penalty of perjury that I did received good and service from those transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Chime Financial Inc
State: NJ
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:
On XX/XX/2022 I ordered a XXXX phone online for my XXXX XXXX XXXX for her birthday the amount paid for the phone was XXXX it was a XXXX XXXX a red model being as though I was a new customer I only paid for the first 3 months of billing and the phone was free and it was expected to get delivered the next business day which was XX/XX/XXXX after I receive the tracking number and the carrier which was ups I turned in notifications to keep track of my package the next day comes when the package was expected to arrive I headed out early that morning to my daughters XXXX doctor all the way in XXXX XXXX XXXX I received a notification 15 minutes after the package was delivered I called my neighbor she stated that when she went to look for the package which was dropped in front of my door it was nothing there so after my daughters appointment I headed home to see if It was maybe in my mailbox it was not I then called my housing manager and requested the cameras be ran back to see was a package taken from by my door and he called back within an hour and indeed saw someone picking a small box up from in front of my door I also filed a police report and my housing manger did as well I also called XXXX  they gave me useless options either purchase a phone or basically dispute it with my bank which is chime I disputed my order on XX/XX/2022 and I called today XX/XX/XXXX for an update chime replied I was not eligible for provisional credit and that it can take up to 90 days for a decision from the merchant which was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Experian Information Solutions Inc.
State: PA
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:
The following shows several accounts that's been opened under my name and social security number as a result a fraud! XXXX have been reporting these negative remarks on my credit profile and its affecting my life. 

Creditor : XXXX XXXX XXXX XXXX Condition : Derogatory Balance : {$540.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Remarks : Placed for collection Creditor : XXXX XXXX Condition : Derogatory Opened : XX/XX/XXXX Reported : XX/XX/XXXX Original Balance : {$1200.00} Current Balance : {$0.00} Creditor : XXXX Condition : Derogatory Original Balance : {$0.00} Current Balance : {$1300.00} Condition : Derogatory Opened : XX/XX/XXXX Reported : XX/XX/XXXX Also, follows are a list of unauthorized hard inquires : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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 2015-05-13
Company: A.R.M. Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A company by the name of Accelerated Revenue Managers in XXXX California reported my name and home address to XXXX ( XXXX of the XXXX big credit reporting agencies ) with derogatory information regarding an unpaid pest control bill ( to a company named XXXX XXXX ) without having ever notified me of the debt scenario or that they would be damaging my credit score as a result of their filing. I did n't find out about it until I went for a home refi on my mortgage and their filing showed on my report. At no time did I have any creditor relationship with XXXX. Accelerated Revenue Managers most assuredly is not following the proper communication protocols nor should they be reporting potentially fraudulent negative credit information without first establishing contact with the alleged creditor. Please investigate their credit collection practices so that others are not harmed by their tactics.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2015-04-01
Company: Blackhawk Network Holdings Inc.
State: MD
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I filed, y taxes online through IRS and I had the option to either get my refund loaded on a pre pay card, Direct deposit or either get them mailed out to me. I choose to get the prepaid card through this company called Pay Power. 
I called paypower on today, which is Wednesday, XXXX XXXX, 2015 and I asked for my balance and I was informed that it was a balance of 300 dollars on my account. However, when I went to use my card I was informed that it was block on my card, mind you I have never used this card before. I called Paypower to find out what was going on and they informed that my card had been blocked because of Fraud. I asked them if they partner with the IRS how could it be tagged as fraud. I asked for his name and I XXXX number and then he hung up on me. I want to know how is there anything I can do to get my money back.

Company response to consumer: Closed with explanation