BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-03
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX located at XXXX XXXX XXXX XXXX Texas XXXX at approximately XXXX on XX/XX/XXXX. I went in into the lab with a list from my doctor for tests to be performed. I paid in advance for the tests ordered because I do not have insurance and am on a budget. I paid for the ordered tests and had them performed. Then I received ( XX/XX/XXXX ) a bill for additional testing. I called the company and told them it was a mistake and that I had paid for all of the tests ordered in the office before they were done. XXXX then told me that the tests were " for my health because I really didn't know any better and they were just looking out for me and I should just pay it ''. I then asked for a manager and they said someone would reach out to me soon. I received no call back about the matter and received another invoice XX/XX/XXXX. Again I called and told them the situation, but this time when I asked for a manager I was told that there were none and that they could do any additional testing they felt necessary due to the results of my current labs. They wanted to " look more deeply into my issues for the sake of my health and I needed to contact my physician for the details ''. I called my physician and she had no idea why they would do extra testing. She only needed the ones she ordered. I got another invoice XX/XX/XXXX so I called back and demanded a manager, I was transferred after a two hour wait to someone who said they were in management but would not give me their name. She told me then that they could legally do any test that they wanted and I would be liable for the charges regardless. She also said on my receipt that it states that additional testing might be required and that was my notice. I told her I did not consent to additional test for my health and I am in a perfect state of mind to ok any additional tests. I paid for my tests ordered in office before they were done and that was that. She then informed me that she would send it automatically to my collections. I recently received an invoice from Credit Collection Services and have mailed them a dispute.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX, XXXX at XXXX XXXX, i sent {$390.00} to the wrong cashtag. I requested for the person to send it back, but the person declined. It was a total accident. Cashapp is not refunding this lost. Also, on XX/XX/XXXX at XXXX XXXX i was scammed out of {$40.00} for a service. My money was taken and i was soon blocked. 
The cashtag that took my {$390.00} is XXXX XXXXXXXX and the scammer that took {$40.00} from me is XXXX XXXX Cashapp knows about the scamming on their platform, but do not care. There seems to be no account protections, refund preferences, or solutions in situations in loss funds. I am here because cashapp allowed my money to be taken from me on their platform and they are not recovering the loss, but rather " invoke '' guidelines in between to not recover my funds. This is a safety issue and i feel robbed! Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I did not authorize any of these XXXX  charges from my bank account ( see attached ). A Total of {$6900.00}. Capital one insist theres no error and they said they would send me documentation and they still havent. I called back and now theyre saying I have to wait 5 days for documentation. Its also weird that all of a sudden all of their emails are going straight to my junk email. Ill also like to add that my identity was stolen via XXXX a few years ago and my protection expired recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: OneMain Finance Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I looked over my consumer credit report with XXXX, XXXX, and XXXX. they all have this ONEMAIN account on my consumer credit report however each bureau is reporting on my consumer credit report differently with each credit bureau I disputed the information with XXXX and XXXX they are reporting false illegal and inaccurate information I would like this account removed, deleted, and blocked off my consumer credit report immediately I have never been late on this account is paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello. On XX/XX/XX/XX/XXXX I lost my debit card near my apartment in XXXX XXXX, Connecticut. Two days prior to this on XX/XX/. I deposited money into my bank account to pay my car payment and my rent for the month of XXXX, which is due on or before the XXXX of the month, unfortunately afterwards I paid my rent via XXXX but unknowingly lost my debit card after. On XX/XX/XXXX, as I opened my account to pay my car payment, i noticed {$110.00} missing from my account which I hadnt used since i submitted the money for my rent. I realized my card had been stolen and used by someone so I contacted Chase Bank right away to report fraudulent transactions and to cancel out my card. They informed me that outside of the 4 transactions that the thief processed with my card, 3 more separate charges were declined by another merchant. They issued me a temporary credit to my account pending their investigation so that I would still be able to pay my car payment on time but after almost 3 weeks of them investigating, on XX/XX/2XX/XX/XXXXthey deemed my claim insufficient and denied my claim which subsequently cause them to reverse the credits they put into my account simply because they claim that one of the places this thief used my card at was close to where I live which is in a heavy traffic area as I live downtown XXXX XXXX, CT. I told them it wouldnt be uncommon for someone to have found my card and tried to use it nearby to see if it was working before they travelled farther out to where those other 3 transactions were declined. My card was used at places I have never been to in the 2-3 years I have been banking with Chase and yet they refused to refund my money and left my account almost- {$70.00}. If there is any way that to help me during this situation I would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-12-30
Company: SYNCHRONY FINANCIAL
State: OH
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX bit the neighbors. 
I agreed to cover the deposit on the Vet XXXX The total turned out to be XXXX and I received a statement that that I would receive a credit for the remaining XXXX. 

I called when I didn't see the credit and I should wait a few days. 
My husband called back on XXXX and XXXX Vet then stated I was no longer getting a credit despite what the receipt and invoice showing I am clearly owed one. I had paid w/Carecredit so I immediately disputed the transaction. 

I sent the invoice showing the owed credit and filled out the forms. 
Apparently when they investigated XXXX disagreed ever saying I was getting a credit and despite having it in writing CareCredit denied my claim on XX/XX/XXXX. I called to inquire the status XX/XX/XXXX and when I asked about appealing the decision CareCredit abruptly hung up.

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 monetary relief
Consumer complaint received 2023-03-24
Company: CITIBANK, N.A.
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:
In accordance with the fair credit Reporting act XXXX Account the company has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
On XX/XX/XXXX my bank sent me an email stating that there's been a new inquiry on my credit report -- from Capital One. But I never applied for this card. When I opened my mailbox on XX/XX/XXXX, this card that I did not apply for had arrived. My credit score has been negatively impacted ( i.e., decreased ) because of these events.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute 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 account. XXXX - XXXX XXXX XXXX Balance : {$0.00} If XXXX and TransUnion 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 XXXX and TransUnion do not provide any records & claim the account 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 non-monetary relief
Consumer complaint received 2022-01-03
Company: Experian Information Solutions 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2018-12-13
Company: Experian Information Solutions Inc.
State: CO
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:
I do not believe that my XXXX Credit Card ending in XXXX has ever been late. I question the accuracy of the " late payment '' that has been reported to all three bureaus. Per XXXX XXXX, the late payment posted on XX/XX/XXXX, dropping my score 38 points from XXXX to XXXX, only to disappear the very next day on XX/XX/XXXX, in which my score per XXXX XXXX rose from XXXX back up to XXXX. On XX/XX/XXXX, the late payment reappeared, dropping my score from XXXX to XXXX. Since then, I have attempted to apply for credit and have been negatively affected by this supposed " late payment '' that has appeared, disappeared, and then reappeared. Something is definitely wrong with this account as it has been reported, it has had a negative effect on my ability to get credit from reputable financial institutions, and I request that the account history from all three bureaus be updated to reflect " paid as agreed '' on this account. Please see all my other accounts as a reference to my positive credit behavior, and please help me resolve this potentially invalid information so that my payment history can be accurately and positively reflected.

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 2022-12-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
My son asked me if he could get somethings on XXXX only. Said you can get {$3000.00} only. I went into the hospital. When I got out of the hospital I went to use my Wells Fargo debit card and there was {$4.00}. I disputed it with the bank. Not sure if they understood that I ok 'd only {$3000.00} not XXXX. I'm broke and homeless now. What can I do to get my money back. He left me homeless and without a car. The bank did as well by not reimbursing my money.

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 2023-05-13
Company: EQUIFAX, INC.
State: NV
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:
Again, I am a victim of identity theft and this is also a request to remove information related to the alleged identity theft from my credit file. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus must delete all items within four business days of receipt. Also, the information provided on some items is unknown to me and has been removed by other offices, and I question its accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX  XXXX  XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX  XXXX XXXX, NV XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on 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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to address a matter that requires urgent attention and resolution. On XX/XX/XXXX, an investigation was initiated within the XXXX XXXX XXXX, during which my personal information was accessed from credit bureaus without obtaining my written consent or any form of authorization. This occurrence is deeply concerning and raises serious privacy and legal issues.

Under the framework of the Fair Credit Reporting Act ( 15 USC 1681 ), it is unequivocally stated in section 602 ( a ) that consumer reporting agencies must conduct their responsibilities with fairness, impartiality, and utmost respect for the privacy rights of consumers. I firmly believe that TransUnion, XXXX, and XXXX, as consumer reporting agencies, are bound by this principle. As the consumer, I hold the right to safeguard my private information, as further reinforced by 15 USC 6801, which emphasizes the obligation of financial institutions to respect customer privacy and confidentiality.

It is crucial to highlight that, as defined by the statute, a " Furnisher of information to credit agencies '' falls within the ambit of a financial institution. According to 15 USC 1681, section 604 ( a ) ( XXXX ), a consumer report can be provided only with the explicit written instructions of the consumer to whom it pertains. I would like to emphasize that neither XXXX, XXXX, nor TransUnion has procured my consent to disseminate this information, whether through verbal, non-verbal, written, implied, or any other means. Thus, I hereby revoke any and all consent that may have existed, thereby withdrawing any authorization they might have presumed to have.

Furthermore, 15 USC 6802 ( b ) ( c ) explicitly states that Credit Bureaus are prohibited from disclosing nonpublic personal information to any nonaffiliated third party unless the consumer has been informed of their right to restrict such disclosures. Regrettably, I was completely unaware of this investigation until after its conclusion, which directly contradicts both the policy and intent of the Privacy Act of 1974. 

I appreciate your immediate attention to this matter and your commitment to resolving this issue in a fair and just manner.

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 2022-01-03
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I've had an Apple credit card through Goldman Sachs since XXXX of XXXX. In that time I have purchased four XXXX and one phone using the monthly installment plan. The first two XXXX were paid in full before the 12 month plan ended. The third was purchased on XX/XX/XXXX. I like to make early payments, or to pay more than I owe to lesson my debt. My accounts shows my first payment for this device posted on XX/XX/XXXX, with the 12th and final installment posting on XX/XX/XXXX XXXX my account shows all 12 installments posted on the day they were due ( I paid them much earlier ). The issue is, Apple is still charging me for one more month. 

If you look under any other device that still has installments due, it states " next installment on XX/XX/XXXX : $ $ $ '' For the XXXX in question, it does not say this, however it is still saying the reaming balance is {$33.00} ( what was posted XX/XX/XXXX as the 12th installment ). 

Now that a new month statement has posted, the {$33.00} installment should not be included in the amount due on XX/XX/XXXX. 

Goldman Sachs and Apple need to make their system easier to understand. It appears as if I am paying an extra month. I don't like to wait until the last minute to pay my bills. Goldman Sachs and Apple 's system for tracking payments makes life difficult for those of us who want to be responsible with our credit by making early payments.

Company response to consumer: Closed with explanation