BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-25
Company: Square Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/21 I had {$520.00} sent to my cash app account I went to go remove the money and it was declined. And since this date I have been contacting cash app support at least 3 times a week to get help and NO ONE will help me. I have been hung up on agent and Supervisors. I have been promised call backs about this issue and promised emails back. BUT NOTHING IS BEING DONE. I received an email back on XX/XX/21 saying that this was for my protection and that it was resolved and to continue to use my card, BUT IT WAS NOT! My money is still sitting in this cash app account and no one at cash app will tell me what is going on or why this happened or anything they just pretty much took my money and will not help AT ALL!! I understand this was done for my protection but now I have verified everything and now I havent done ANYTHING WRONG EXCEPT FOR TRUSTING IN A COMPANY LIKE CASH APP NOT TO STEAL MY MONEY!! I keep getting emails saying rate your experience which I do reply to saying what experience I was told I would get a call back or email back but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: CATHAY BANK
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was involved in a romance crypto currency scam. I wired money 3 times from XX/XX/2023 and XX/XX/2023. On XX/XX/XXXX I sent {$3000.00} to a bank. XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX branch On XX/XX/2023 I sent XXXX to another bank XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. On XX/XX/2023 I sent XXXX XXXX XXXX XXXX XXXXXXXX Cathay bank XXXX XXXX. During the next 6 months we made trades on a website called XXXX a partner with XXXX. My account reached {$270000.00}. Which seemed real. On XX/XX/2023 the web site vanished and I haven't heard anything from her. the transfers were from my XXXX XXXX bank account. 
Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Diverse Funding Associates LLC
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been disputing this card for over seven years. I told the company I never received the card and they had taken it off my credit reports. I just got in the mail a day ago that this account ended in XXXX and was sold to a third party DNF associate 's phone number is XXXX. I tried calling and did not talk to a representative. I have been having trouble for a long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, XXXX XXXX, applicant, are very aware of XXXX deceptive and discriminatory practices while operating as a creditor 15 U.S. Code 1602 ( g ). I, XXXX XXXX, the applicant, initiated a Consumer Credit Transaction with XXXX dated on XX/XX/2021 using my Credit Card 15 USC 1602 ( l ) and furthermore, not only did a transaction occur warranting unauthorized use as pursuant to 15 USC 1602 ( p ), However, I, XXXX XXXX, applicant, which is myself, never benefited. It is clearly and conspicuously XXXX have performed deceptive business practices.

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 2023-08-05
Company: Block, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2023 I initiated a Bitcoin transfer to my partner XXXX XXXX XXXX from an external Bitcoin wallet ( non cash app wallet ) for the amount of XXXX XXXX, at the time equaled {$910.00} USD. 

The transaction cleared to his cash app account according to XXXX records as shown in the picture I will upload. But cash app rejected the transfer. Normally when a transfer is rejected, the funds are returned to the sender 's wallet. No funds were sent back to me. Obviously the transaction was not lost because cash app sent XXXX a rejection notification. When I contacted cash app via email and phone calls a half a dozen times I was told that they will not speak to me because the receiving account did not belong to me. XXXX, the recipient has contacted them via phone and support chat multiple times. Two of those times I was on the line on conference. They told XXXX almost two months ago that a Bitcoin Specialist from cash app would reach out via email. He never received an email. They have given us the run around for two months and never once gave a solution to how we are to retrieve the funds that I sent to him. I will upload email threads and screen shots of chat as well as XXXX reports. How can cash app just keep our money. If cash app refused to give XXXX the funds that I sent they should send it back. But they just kept it. We committed no fraud, or broke any laws. Please help me retrieve my funds. This right and they have made no attempt to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I went online and on the phone entered the proper pin and social security number and Experian still requires me to send them more info through the mail and then wait a week before they will unfreeze my credit. Unlike the other two credit services they do not give the option to speak to a human.

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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
See the attached documents. I am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2023-05-25
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: IN
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 have reported to all three credit agencies that I need information about several accounts that I know are not mines ( XXXX ) and incorrect address/phone numbers. They are not updated. Ive paid accounts off and it still shows unpaid.

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-08-06
Company: CITIBANK, N.A.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am unable to register with some credit report agencies to check my 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 2023-05-25
Company: EQUIFAX, INC.
State: GA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17
Company: HW Holding, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 a dispute and request for validation letter was delivered to the company via USPS certified Mail # XXXX. Reviewed my credit report 45 days later which showed the reporting of my account as delinquent without the required disputed designation pursuant to FCRA 623 ( a ) ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/22 my phone was stolen. The thief managed to hack into several accounts, including XXXX, XXXX XXXX, Chase App and transfer all of my money to other accounts. I was reimbursed for all charges, except {$2000.00} from unauthorized XXXX transfers. Chase denied the claim because they were made from my device, despite it being stolen. I reported the My information stolen to chase the following morning. I contacted them multiple times and they were unwilling to help and hung up on me several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: UT
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 ran my real credit report today, they continue to show that I disputed my XXXX XXXXXXXX XXXX loan for which I did not! I have proof in writing that I did not dispute that account. I'm sick of having this conversation with them. Also the attached means nothing to me but I wanted to send it with the complaint to tell them just that - IT MEANS NOTHING BECAUSE THEY CONTINUE TO MAKE ERRORS ON MY REPORT REFUSING TO FIX THEM!!!!!!!!!!!!!!!!!!!!!!!

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 2018-06-12
Company: Waypoint Resource Group, LLC
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 have recently looked into a credit report and it shows a card that was open in XXXX from XXXX XXXX XXXX under my name. It was opened in XX/XX/2018 and is for $ XXXX.I have not opened any cards in my name and now it is showing not paid and is on my credit report. It is currently in collections. Can you please help me to know how to close this and not be against my report anymore. 

Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I tramsfered money from XXXX XXXX acc in too the Venmo acc in the minute of XXXX they first said acc was closed from XXXX when I contect red XXXX they said they have no holds on any acc then they said I have submit my XXXX again XXXX XXXX etc. then the said I own money in another acc I tried paid it off what was owed in another XXXX of XXXX then they said they have hold my money for XXXX then I added another XXXX in acc by mistake then now they said acc in closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/XXXX : XXXX XXXX : XXXX to set up account. He assured me that even though the wrong E Mail and phone was on some forms, he would correct them once the account was open. 
XX/XX/XXXX : Called XXXX banking. : XXXX XXXX, including XXXX min hold. Assured phone and XXXX mail was corrected. 
XX/XX/XXXX : Called XXXX banking : XXXX XXXX. XXXX said she could not do anything without speaking to XXXX. She said she called XXXX and would call me back. 
XX/XX/XXXX : Called XXXX banking : XXXX Minutesincluding a XXXX and XXXX hold. Put me on hold for someone else. Another XXXX min hold. XXXX spent XXXX min. could not help. Said he notes would be seen my next helper. Transferred me to Web Support. Norm said he could not read XXXX notes. Started over. He could not help. Escalated to XXXX operations center escalation supervisor. Will hear from them in XXXX days. 
XX/XX/XXXX : XXXX XXXX. Called branch manager who said sarcastically Ive heard about you. She had no idea why this was happening. Called her supervisor. Spoke to him the next day. 
XX/XX/XXXX : XXXX minutes. called online banking. She said by bank rules no information can be changed for the first XXXX of a new account. I should call back on XX/XX/XXXX. 
XX/XX/XXXX : XXXX min. Call from bank manager. She was wanting to get XXXX Banking on a three-way call. When I explained the phone call, I just finished, she said, she never heard of such a rule. Online banking hung up before she could get me on the line. She blamed me for this say If you hadnt been ranting. She agreed to call me on the XXXX and personally walk me through the process of updating my phone and XXXX mail. 
XX/XX/XXXX : XXXX XXXX. called customer service. she tried to help. Transferred me to XXXX XXXX XXXX. XXXX could not help, either. Was sending it to XXXX XXXX Department. Will hear back in XXXX days. Escalation Case Number XXXX. 
XX/XX/XXXX : XXXX Minutes : called XXXX. XXXX said he was with the XXXX XXXX Department. I gave him the case number, he paused, said hold a moment. He transferred me to a general number, that started the process from scratch, asking why I called, XXXX. After XXXX more minutes I got XXXX. He reported the XXXX XXXX Department is behind the scenes as of last month and he has no way to contacting them or transfer me. He said he was going to talk to his manager. He went away and came back after 17 minutes on hold to say, the manager was reviewing the case and it shouldnt be too much longer. I asked to speak to the manager. He transferred me to XXXX, who said he was available want awaiting my call. XXXX XXXX XXXX, XXXX. 
XX/XX/XXXX : XXXX Minutes. called XXXX. Chrisclaimed he was a different XXXX. On hold to talk to a supervisor. XXXX was not available, but XXXX assured me that XXXX will call within XXXX minutes.

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 2022-04-17
Company: ENCORE CAPITAL GROUP 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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 a dispute and request for validation letter was delivered to the company via USPS certified Mail # XXXX. Reviewed my credit report 45 days later which showed the reporting of my account as delinquent without the required disputed designation pursuant to FCRA 623 ( a ) ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: WI
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:
So I sent out a letter to the three major credit bureaus about 3 months ago and didnt hear back from them. I decided to submit a complaint with the CFPB and only one credit bureau decided to actually fix the incorrect reporting while it seems the other bureaus do not care about the law or they think they are above it. I dont understand how one bureau can delete everything, one bureau delete some and the other delete nothing at all. Im confused at how this can continue to distrubt my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX Balance : {$810.00} ; XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX XXXX XXXXBalance : {$2300.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01
Company: JPMORGAN CHASE & CO.
State: CA
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:
On or about XX/XX/XXXX I called Chase XXXX to dispute a charge on my account from XXXX XXXX  for {$86.00} that appeared on XX/XX/XXXX. This charge was made electronically, one day prior to my actual stay at XXXX, where they charged me approximately {$100.00}, on XX/XX/XXXX. I originally disputed the XX/XX/XXXX charge as a duplicate payment. Chase reversed the charge and agreed to investigate with the merchant. 

On XX/XX/XXXX, without any notification from XXXX hotels or Chase, the charge was reapplied as a 'rebill '. I called Chase on XX/XX/XXXX, to inquire, and was told that the merchant had submitted 'documentation ' to say the charge was 'valid '. They would not disclose what this documentation was nor provide me with a copy. They simply informed me that the charge made on XX/XX/XXXX for {$86.00}, was a 'reservation ' charge that was 'non-refundable '. As I had never logged onto an XXXX website to submit my credit card information, and paid in full for my room in person, this explanation makes no sense. I made my reservation with a website called XXXX, and at no time was I informed that my payment was a reservation charge or that it was non-refundable. At no time did XXXX appear as the merchant submitting the charge or as the merchant explaining the charge in response to my dispute. At no time did XXXX disclose to me that 'reservations ' are non-refundable. At no time did I log onto an XXXX website, and therefore at no time did an XXXX website inform me that reservations are non-refundable. As such, I'm being charged {$86.00} by XXXX, to which I never submitted credit card information, to pay for a room I never stayed in. I think this is a simple case of XXXX taking funds for services they never provided, and Chase refusing to do an adequate investigation of the situation, and refusing to uphold the legal requirements to protect their customer.

Company response to consumer: Closed with explanation