BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The disputed item does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the file. 
XXXX XXXX Balance : {$390.00} ; If the credit bureaus feel there is a possibility the account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-10-14
Company: Block, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX charges worth {$500.00} were made in California at XXXX grocery store using my CashApp card and I live in South Carolina. The transactions were made over the course of XXXX minutes of each other. I was in South Carolina when the charges were made and I had my phone and card on hand. I did not give anyone my personal information and didnt authorize for these charges to be made. I contacted cashapp minutes after the transactions were made. They were pending on my account when I contacted them. The transactions were complete until the following day and I was instructed to call CashApp back once the transactions were complete in order to file disputes for all 4 charges. The following day a charge to my card was attempted in Indiana, and I was still in South Carolina. CashApp denied my disputes to receive my funds back, but it is clearly fraud on my account. They wont allow me to talk to anyone who makes these decisions. I also contacted XXXX for assistance but havent received feedback.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Credit Karma, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I applied for loans. Credit carma was sending me all sorts of pre approvals telling me that I was pre approved for personal loans and credit cards and that I can refinance my vehicle. I would see this offers every time I check my credit score. Months would pass by and credit carma would send me pre approvals and I believe I was in the right time to apply. So I applied sometime 2020. I got denied for a personal loan with one main financial twice in different months. I was distraught and I felt deceived. I was marketed for months. Credit carma told me that I was approved. This was a lie. I was severely stressed out. I was looking forward for those loans. My XXXX  flaired. Now I don't pay attention to " pre approvals '' credit carma is a joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$220.00}

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 2021-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
In XXXX I finally received my card from edd and bank of America. The employment benefits had gone all the way back to XXXX when I had lost my job cleaning houses and visits with my newborn daughter due to Corona Virus. I was in the middle of going to court and was bouncing around homeless cause of my family 's homes being burned in the XXXX in 2018 and then my husband leaving me stranded and pregnant with my daughter. Whom I delivered on My birthday and Thanksgiving day. My friend told me about the unemployment benefits cause she knew I had been struggling and didn't even have a car. I signed up and then was sent a card and there were XXXX on it. I spent XXXX on a car and different household items for a house I was renting a room from. I bought insurance for the car for a year and then I was debating on an attorney or a place of my own to live with my newborn. However, there was the bear fire and we were evacuated from the house I was living in. I had found an attorney to stop the termination of my rights and right when I went to pay her the account was frozen or they say closed to verify my identity. I don't know if it was because I changed my address or cause I did a XXXX XXXX to myself to get more money off the card than it was allowing me to withdrawal cause I was trying to pay off some debts and get people out of my hair. That was in XXXX. Meanwhile, I finally get told I need to send proof of my i.d . I send my bank statement and my driver 's license. Which come to find out they didn't think was good enough. I had to drive to go get my birth certificate because everything burned in the fire. I get that and send that and driver 's license and that was in XXXX early XXXX. Then they say I have to file an appeal with unemployment. I finally get the paperwork for that in XXXX and send it back than I get a letter from unemployment stating I had withdrawal for child support and a XXXX $ check. I am thinking the bank should release my card now. I have been shuffled back and forth on hold. The end has stated they have released my card multiple times and the bank says they have to have a check sent to me when my card is sitting there with almost 10,000 cause funds were still going into it. If EDD had my card then how were funds still going into it!? Now it is XXXX I have lost my parental rights to my newborn and am staying with my friend in redding and have all the documents. I have even gone to the bank of America bank in XXXX in person to show them my documents to just be told to get a hold of edd. Edd is not the problem it is the bank but how do I prove to them I am who I am to release that money? This is ridiculous and so unfair.

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 2016-03-09
Company: Alaska Cascade Financial Services, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
This is the statement I sent to the Collection Company. It sums up the situation ; First of all this case is from XX/XX/XXXX. If. You Alaska Cascade have owned it since XX/XX/XXXX why am I just know hearing from you? 

You have an obligation to attempt to collect on debts. I have request twice from you and or Alaska Cascade to provide if any attempts to collect this debt. But, you are unable to provide any proof. I have NEVER received anything from you regarding this debt and I have had the same mailing address for over 10 years. Nor, has this debt EVER been reported to any of the XXXX collection agencies. I would have like to have been contacted at anytime during the last 9 years so I could have paid this debt. 

You also state that you find it hard to believe I am unaware of this debt since it was part of a XXXX case. Again, this case is almost XXXX years old and I did receive a statement via e-mail from the XXXX County Court stating that this case and the judgment were satisfied in XX/XX/XXXX. So, I am sure you can see my confusion with getting such a statement from the court and for having never been contacted that the debt was valid and Alaska Cascade was looking to resolve the debt. 

With all of this confusion and Alaska Cascades inability to provide any proof that you have ever ethically attempted to collect this debt at any time in the last 9 years I feel it would be fair if I be allowed to pay the debt and have the interest removed. 

Please understand that if we are unable to come to an agreement I will be forced to seek further action on this as I do not feel that you have held up to your obligation as a Creditable collection Company. You can not just sit on a debt and collect interest for almost 9 years and not allow the debtor to make right by what they owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: PROFICIO FINANCIAL SERVICES, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called Proficio financial service to provide me with contract or contractual agreement between me and all XXXX XXXX XXXX  They didnt because I dont have an agreement with them. They were supposed to get an approval from the insurance company before start doing any work. The insurance company approved {$3800.00}. And the business sent them a check in that amount. 

I asked Proficio financial services to provide me the agreement or Estimate or signed contract binding me to the claimed debt that I dont owe. They didnt. It is a scam. 

This the fourth complaint against Proficio financial services and all XXXX XXXX XXXX asking them to provide the contract for this false debt. 
They were sending me invoices that I never approved or authorized. 
My signature is not on them to bind me to this debt because I never approved it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-07-20
Company: U.S. BANCORP
State: ID
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had an account with us bank with my insurance payment being automatically deducted. I cancelled my insurance because I had I got a job that offered insurance. I also changed banks but did not close my US Bank account as I wanted to make sure everything was setup with my new account first ( bill pay, direct deposit, ect. ). Unfortunately I did not close my account and stopped paying attention to the US bank account. Due to a mistake by XXXX XXXX of Idaho they continued to bill my US bank account for 4 more months. A few months later when I finally realized what had happened I called US bank to see what I needed to do to resolve this issue. Us bank said they wanted XXXX check for every withdrawal and they still would not reverse any overdraft fees associated with the charges. I have been working with XXXX to get the money back but in the process US bank sent me to collections. My problem is that US bank charged me over XXXX in overdraft fees, extended overdraft fees and account closure fees. The ability for a bank to charge {$25.00} a week in extended overdraft fees for 6 weeks and {$36.00} for an overdraft fee on a XXXX overdraft is more then excessive. Now the bank says they can not do anything about it because is was sent to collections already. I have talked to multiple departments and even filed a complaint all the time being told there is nothing they can do to fix it.

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 2022-11-02
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-03-29
Company: POPULAR BANK
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
, Big problem here. Went bankrupt in XXXX, discharged, home not reaffirmed. My Uncle lived in it until his death in XXXX. I have been trying to negotiate with bank ; it is a Home equity loan only, no first mortgage. They first accepted a offer and I was ready to go but my attorney never got back to me in time, then the person I was working with left the bank for another job. 

Fast forward to today, I again made the same offer, they will not accept, will not foreclose, will not deed it lieu ... nothing. The house is in a very, very crime ridden area, run down and will be worth nothing soon. I am at my wits end, I am on XXXX and I try to keep up property, taxes and insurance but it is hurting me badly and I have fallen behind on taxes. The Mortgage Company is holding me hostage. After the Bankruptcy attorney never followed up and caused this problem I have not spoken to him since, I was very upset. ( Especially when he tried to charge me for doing nothing ) My question is, what can I do? Do you know someone who could help? Do n't I have any rights? 
Please let me know what you think, I appreciate any help. Thank You

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 2016-08-26
Company: Selene Finance LP
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We entered into a bankruptcy, and our loan was being serviced by XXXX XXXX. During the bankruptcy, they sold the loan to Selene Finance. Unknown to us, the payments kept going to XXXX and were never picked up by Selene, so our house started to go into arrears on payments. We finally ended the bankruptcy, and had over {$29000.00} in arrears with Selene! We showed them the payments that were made to XXXX, and the payments that were supposedly made to them, but they continued to claim we were at fault. We had to enter into a repayment agreement with them in order to keep our house. The payments were double the regular mortgage payments, and the bookkeeping of how they applied the payments was unbelievable. They even added special " corporate '' fees that we never knew about or received an explanation of. These fees were applied to our loan during bankruptcy, and outside bankruptcy during our repayment. We could n't make sense of how they were applying payments, and each month, the balance of the original arrears seems to go higher, and then drops, and then goes higher again. 
We have broken down our payments, provided proof of payments, and even put together a spreadsheet outlining our true arrears. They ignored us. We called several times, and after a while we started to get automatically transferred to a voice mail box. Now after reading all the other horror stories we are worried that even after our repayment plan is done, will they come up with another method to try and make us lose our home? The mortgage statements do not reflect the payments we are making. 
During our bankruptcy we were not allowed to contact creditor and statements online did n't reflect. They did not follow the below rule : New rules effective XXXX XXXX, 2014 require that if mortgage lenders provided monthly statements before a case, they must continue providing statements during the bankruptcy case. These rules were promulgated by the Consumer Financial Protection Bureau ( CFPB ) pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act. 

What were afraid of even after we go through this payment schedule. Are they allowed to make up new fees and we still end up losing our home. I say that because of the phone the harassing phone calls were receiving and mortgage statement that go up and down consecutively

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: CONTOUR MORTGAGE CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was shopping for a mortgage and was referred to XXXX XXXX at Contour Mortgage by a co-worker. I called for information and at first everything was okay. He began collecting my information. After about 30 minutes on the phone he asked that I provide sensitive information to him. I asked him if I could call him back, I then contacted my attorney to ask his advice. He told me to ask for a loan estimate from the loan officer. When I called XXXX back he told me that he needed my information. I asked for the loan estimate and he suddenly changed his attitude and asked why? I told him that my attorney asked for it and he answered that attorneys were idiots and did n't know what they were talking about. I tried to get him to provide me with a loan estimate, but he refused. XXXX told me that he had been in the business for over 10 years and that he was the expert and that I should have faith in him. I started to feel uneasy and asked if he could review the costs verbally with me which he did. I never received the loan estimate that I asked for. When I finished talking with him he asked again for my social security number and date of birth. Something did n't seem right so I did n't give it to him and told him that i 'd call back. When I hung up I googled the company which seemed legitimate and then googled XXXX XXXX and found out that he was arrested after being fired by another bank!!!!!!!!!! 
I am really disappointed that this is still going on. I thought that the government protects us against criminals, however they are apparently still out there. I do n't know how someone can be fired from one bank, get arrested and then be handling sensitive information at the next. It is baffling. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXXXXXX XX/XX/2022 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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