BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: CCS Financial Services, 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:
Account number Credit collection service XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX  All 3 collection services have incorrect information which I keep trying to dispute and it clearly isnt working The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals.

See 15 U.S.C. 1681u ( a ), ( b ). The Act eliminated the requirement of a nexus to a foreign power or its agents and instead requires that the information sought be relevant for various national security investigations to protect against international terrorism or clandestine intelligence activities.

See 1681u. The Act also broadened other federal agencies access to consumer reports. Section 1681v obligates CRAs to provide consumer information and reports to a federal agency authorized to conduct investigations of, or intelligence or counterintelligence activities or analysis related to, international terrorism. Senior federal agency officials are empowered to issue a certification that the information is necessary for the agencys conduct or such investigation, activity, or analysis. See 1681v ( a ) & ( b ). Upon certification that disclosure to the subject would impair national security or interfere with an investigation, the entity providing the information is not permitted to disclose to the subject or others ( except counsel and those necessary to comply with the request ) that the government agency sought the credit report. See 1681v ( c ). State and local law enforcement within fusion centers often work in conjunction with the FBI or other federal officials to seek consumer reports pursuant to either 1681u or 1681v authority. If 1681u or 1681v is not utilized or applicable, consumer credit information may be obtained by seeking a court order or subpoena as authorized at 1681b.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
I disputed with XXXX nexis and per XXXX nexus letter attached had the incorrect bankruptcies removed from my XXXX nexus report. I've called 3 times and spoke to someone. Was even sent a letter verifying removed and advised by lexis nexis to send to credit bureau to have removed. They have a verified account and unverified account with this info. They removed from verified account and claim they are working on the unverified account I received letter advising info deleted in XXXX but still has not been deleted from both there verified and unverified account info

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I received an email from Venmo that someone tried to access my acct. At the same time I received multiple back to back phone calls from a number I did not recognize. By the third call, I was worried that it was an emergency call so I picked up the call. The caller said it was an urgent message from Venmo that someone charged {$300.00} and that if I did not enter the pin number that they just sent me, that the charge would go through. So I entered the pin that said it was from VENMO. While I was doing this, I went to my laptop and logged in to my VENMO acct. to see if I could see this charge. I viewed my balance and then noticed from the home screen that the name on my acct. had been changed. I didn't see any unauthorized transactions. This whole time I was still on hold with the call stating they were verifying my acct. Then I noticed that my balance had decreased while I was on the phone. I tried the contact XXXX XXXX  and also the chat bot to ask for help typing in the words help and fraud and stolen hoping to trigger a telephone number or some other direct way to contact VENMO. In the meantime, my roommate found a number for VENMO so I hung up and called them immediately. I was able to connect with a person and told them what was happening. During this time, the last of my balance was drained from my acct. I desperately asked them to stop the transfer knowing this was fraud. They said it was too late ... .that I should have called within minutes ( even though I did ) and that there was nothing they could do to stop the transfer. All of this took place between XXXX and XXXX. The VENMO page of my acct said the funds wouldn't go through until XX/XX/31 but the VENMO rep said that it was still too late to stop the funds from leaving my acct. and all they could do at this point was to open a dispute. This was not an Instant Transfer -- but they still could ( or would ) stop this after verifying that this was an authorized transfer even by their own standards. You can see from the attachments that I did contact them as it was happening and yet they still say it wasn't fast enough to stop the money from being stolen from my acct. Additionally, there is no published number on their site to contact them immediately and their call center is not a XXXX  call center so if you did contact them immediately, they might not be open to help you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I haven't ran my credit through these companies but they are showing up on inquiries

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 2023-05-30
Company: CBC Companies, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The data furnisher failed to provide correct and accurate contact information on the consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Spring Oaks Capital, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter requesting debt validation of the alleged debt through certified mail. They received this request on XX/XX/XXXX. It has been 30 day, and they have failed to respond, but they are still reporting negative information on the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXXXXXX I have conducted the payment in the amount of XXXX USD from my account with XXXXXXXX to account of XXXX XXXX opened with XXXX XXXXXXXX XXXX  XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXXXXXX XXXX  XXXX was designated under the Executive Order 14024. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. On XXXXXXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXX XXXX asking them to clarify if the payment was blocked and reported to OFAC and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Dear Team : Please see attachments CFPB 7 Exhibits XI, VIII, XXII, XIII, XXIV, XXV, XXIX. 

Account # XXXX ; Property Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. Customer : XXXX XXXX XXXX ; Case # : XXXX ; CFPB XXXX ID : XXXX. 

This communication is in regard a verification of XXXX XXXX 's Note and Mortgage, who owned it from XXXX until XX/XX/XXXX, as stated in a letter that I received from your office, on XX/XX/XXXX. Attached please find the refered letter, Exhibits " 1 ''. Also, please refer to XXXX XXXX 's letter received on XX/XX/XXXX, Exhibit " 2 '' Then, the mentioned Note and Mortgage was acquired in a foreclosure sale Bid by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and a Certificate of Title recorded with the XXXX XXXX, XXXX XXXX XXXX XXXX, on XX/XX/XXXX. Attached please find exhibits. 

So, if XXXX XXXX in XXXX was already the owner of the subject Note and Mortgage, why was it assigned, sold and transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX )? 

Please keep me inform of the investigation 's progress. 

Thank you in advance, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have an interest only HELOC on my house. It is in second lien position. I have had a significant reduction in income this year. 

I made a payment on my past due balance in XX/XX/XXXX - attaching proof of payment to this complaint. Citizens Bank applied this amount to principal only, not the past due balance. I called to have them fix and they would not fix. 

I then made another payment on XX/XX/XXXX. and the same thing happened again. I have called multiple times regarding this issue- with no help. I just keep getting transferred to different depts. 

I want these two payments applied towards the past due balance. 

I have attached the payment schedule from Citizens bank as well as the current statement. These payments were applied to principle on XX/XX/XXXX and XX/XX/XXXX- they should have been applied to the past due balance. 

XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Self Financial Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota You are in direct violation of the fair credit reporting act ( XXXX ) Has violated several of my rights. 

15 u.s.c 1681 section 602 A. Clearly states that I have rights to my privacy. 

15 u.s.c 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 u.s.c 1666b : A creditor may not treat payment on a credit card account under a open-end consumer credit plan as late for any purpose. 

Remove the late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Genesis FS Card Services, Inc.
State: AR
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:
I went to check my credit report to find out why my score dropped and I found not XXXX but XXXX account from this genesis card services company with a MILESTONE account. And a destiny account under my name and social. along with some utility company. I have contacted GENESIS FA CARD SERVICES about these fraudulent account and I have been met with NO HELP. This is literally fraud and hey are letting an account be open and used with my information in which I have never given anyone permission to use my information and never lived at the address of a XXXX XXXX in Virginia that they also have on file. 
I live in a completely different state! I want these XXXX account REMOVED from my credit report IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I been having issues enrolling in online banking, I requested a RSA secure id ( already arrived ), but Im still waiting my debit card to enroll in online banking. 
Never arrived, so I nee to request a replacement debit card sent to my mailing address on profile.

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 2023-05-30
Company: Shellpoint Partners, LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was having trouble paying for the mortgage due to XXXX. My work closed the office for a few months. Then I was offered to pay back the amount due with a percentage of the missed payments. After a few payments my tenant had a hard time paying the rent, they paid late. So, my payment was rejected due I tried to pay a couple of days late. Tried paying for a few months and it all got rejected. Did call the mortgage company and I would have to talk to my case management. But left multiple messages and no response. Then I called XXXX XXXX she called the mortgage company and the same thing. She said ( XXXX from XXXX XXXX XXXX said why I wasn't offered to modify and Shellpoint said the best choice was what they offered. Then in XX/XX/XXXX my Mom was diagnosed with stage XXXX XXXX XXXX. Had to use the money to pay for the care of my Mom. She passed on XX/XX/XXXX and now paying for her funeral services. Told Shellpoint I'm able to pay my mortgage. I have a new tenant and she pays on time. 
Hope you can help me keep our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: LA
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:
I XXXX XXXX was looking at my credit report and saw that I had some inquiries that wasn't mines. I didn't give these companies permission to run my credit. I am a victim of identity theft please delete these accounts. XXXX XXXXXXXX XXXX XXXXl inquiry date of XXXX, XXXX XXXX  inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX  XXXX XXXX XXXX inquire date of XXXX, XXXX XXXX XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX inquiry date of XXXX, XXXX XXXX XXXX XXXX inquire date of XXXX, XXXX XXXX inquire date of XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX inquire date XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquire date XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquire date XXXX XXXX XXXX XXXX XXXX inquire date of XXXX, XXXX XXXX  inquire day of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello, XXXX XXXX XXXX, I can't add anew bank withdrawal balance to my XXXX account. I have called the customer service representative many times, but the problem has not been resolved. Please help me, thank you! 
" I am now linked with a new bank, prompting that mobile phone verification is required, but the verification page does not display my mobile phone number, so I can not complete the mobile phone verification and the new bank can not be linked ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my credit reporting file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make these charges. I asked that items be deleted to correct my credit report. I reported the identity theft to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.

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 2023-05-30
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MS
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:
My information was impacted negatively by the XXXX XXXX XXXX. It has caused much agony and pain. It has destroyed my credit, I need items removed immediately from my consumer report or i will move forward with litigation and reporting to XXXX States Attorney General, and file a federal lawsuit for the improper use of my credit report agony with the anxiety, stress and depression this has caused me.

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 2023-05-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
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 have not given Chex system permission to furnish information on my consumer 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 explanation
Consumer complaint received 2023-05-30
Company: Ingo Money, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2023 I was sent a check in the mail for the amount of {$700.00} dollars i then tried cashing it through my bank I had called INGO Money Inc to see if the check was fully processed through they had mentioned that it was then processed through. 
The check that was sent to me was from my previous finance company. 
I then sent the check through on Ingo money inc and they had processed it through I then did not receive the full {$700.00} dollars there was over {$30.00} removed from the previous amount given. 
I am writing this to inform that I was not expecting for them to deny the check later on and why would they process the check and tell me it went through and deposit my funds I don't think I should be charged for the fact that i called to make sure it had went through and I was told yes then to know later on was denied. 
If there is any way I could dispute this transaction and not be charged for it may I be contacted. I fairly think this debt should not be charged to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TransferWise Ltd
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, As owner of company I open Wise.com account on XXXX XX/XX/2023 and require me to paid {$31.00} after paid I send them my passport and my legal business papers, I receive email that my account is full verified I have linked with my stripe to start receive money Today my account has been closed without any reason!! and they say you can complaint on this website

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, 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:
In accordance with the 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 : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 response to consumer: Closed with explanation