BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please see the dates in the attachments where I have been trying to work with the merchant and explain to them that I am a victim of identity theft and have been working diligently the past year to clean up the mess. They have been unresponsive and claim to send letters out for me to respond to, and I have not received them, they keep denying my claim even though I have sent in proof of where I was living at the time of this card being opened without my permission, as well as my FTC report and police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-10
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Before I had credit I kept getting these random calls from Evergreen Professional Recoveries. They would say they were calling about an important business matter or a financial issue or something on the lines of being Vague enough to peek my interest. They would not specify anything unless I gave personal information! These things included full name, date of birth and an address. All things I consider sensitive information and I even felt they would ask to get my Social security number. If they really were calling me for this issue they would already have these on file. For the past year or so I thought they were total scammers trying to steal my personal information because they would not fully disclose the nature of the call and had the audacity to ask for such personal information. 
I have ignored their harassing phone calls which even disrupted my work at times! I work as a XXXX and it they had disrupted me trying to call the hospital when giving a short report of a XXXX! 

I have no debt and have not even had an X-Ray done for quite some time and that was filed under XXXX XXXX XXXX. So, I have no clue where this debt could have came from nor have gotten a WRITTEN NOTIFICATION even at my old place of residence which my mother still resides at and she received nothing over the time frame of this harassment starting. 

And now they are damaging my new credit score which is only 3 months old! They keep changing the information about when the debt was due as well it seems. I dont understand and its frustrating. I have disputed them with XXXX  once and it got deleted. Multiple accounts. This time it was just updated. I dont understand how that is legal to harass someone like this and mess with their lively hood. I even looked this business up on the XXXX XXXX XXXX and have seen reports of them being scammers, not taking off the reports of peoples credit when they have been paid, and just over all shady tactics. So I refuse to give any information or pay a dime to these people. And interesting enough when I called them every time itd go to their voicemail. So I have been unable to resolve it with this company and its an issue. Can you please help me clear this up? Its gone on long enough. Thank you for whoever is reading and have a good day!

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 2023-10-05
Company: Experian Information Solutions 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-08-16
Company: TD BANK US HOLDING COMPANY
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX and XXXX XXXX XXXX, 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 an account without my written instructions.

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

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: ALLY FINANCIAL INC.
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2021, XXXX XXXXXXXX XXXX attempted to seize my car on behalf of ALLY FINANCIAL. Upon arrival, the repo agent constantly advertised the sale my debt to me in an attempt for me to pay it and not tow my vehicle. This is a violation of 15 USC 1692d ( 4 ), federal law. Every detail is ON CAMERA!

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 2023-08-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I asked to cancel my XXXX  as my home value is appraised and loan amount is less than XXXX XXXX of the loan amount. I reached out to chase they asked me as my account is less than XXXX XXXX in age asked me to do significant improvements, I did the add a new patio and again asked them to consider and they came back saying its not considered and now they are saying they dont provide a list of improvements they will consider and asking me not to fill the PMI cancellation form every time and they have been rejecting it every time this is the 4th time, and they refuse to provide me with list of improvements that will be considered. XXXX XXXX is my investor and as per their website for XXXX  cancellation nothing is mentioned as significant improvents are needed to cancel my XXXX, XXXX  XXXX  website only states my loan value should be XXXX XXXX or less than the appraised home value.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
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:
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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX account # XXXX, XXXX XXXX account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 an 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.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Inquiry on my credit from XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. This was not suppose to be hard inquiry. I was told to be pre-approval only. 

Also I am not familiar with COAF on XX/XX/XXXX. No knowledge of this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I leased a new Acura from Acura Financial Services in XX/XX/2020. Yesterday, Honda ( Acura ) suddenly changed the rules of the lease preventing me to sell my car to any car dealer of my choice. They say I can only sell it to a Honda dealer. Since independent dealer pay more than Honda 's owned dealerships people like myself who need to sell their cars usually sell it to independent dealers. Due to pandemic there is a high demand for used cars and Honda is trying to make more profit by restricting a lessee 's options. It was a well stablished rule in auto leasing contracts, written or not, that a lessee can end his/her lease at anytime by paying the Honda ( Acura ) Financial Services the amount as specified in the contract. However, since in a lease the lessee does not own the car therefore Honda has to release the title to the buyer. Honda is abusing this technicality to take advantage of a pandemic influenced market to buy back cars at a cheaper price and make money out of it. They claim they have the right to choose the buyer of my car. 
XXXX also recently announced a similar abusive policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Fraudulent account XXXX XXXX XXXX Reported : XXXX XXXX, 2023 - {$690.00} Closed Should not be on my credit it also is showing late payments an it's affecting my credit score That's fraudulent account

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 2023-08-16
Company: Block, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have had nothing but trouble it seems with cash app. I have used the service to send and receive money and also used their XXXX card they provide you with to make purchases in store and online. About a year ago approx there were some charges made to my card that were unauthorized by me and I filed disputes. They said it was nothing they could do but when some of the charges were credited back to my account cash app turned around and deducted the amounts and when I asked why they could not tell me. They never did explain or credit them back to me. So I got another account about six months ago I guess and Ive been sending and receiving money and using the XXXX card they issued in my mobile wallet with no issues so to speak I then ordered a physical card 6 days ago. I opted for the premium card that cost over {$5.00} just to get. I got an email saying my card he been approved and would e sent to me in the following days. I received the card today in an envelope addressed to me at my home address and inside was the card stock sleeve the cashapp XXXX card was attached to and saying things like Tap to pay Instant Discounts Atm Access and a QR code that says scan code in cashapp to activate card But when I try to do that it says it cant be activated. I try punching the into in manually and it stills says it can not be activated. So I reach out to support at cashapp and they research the issue and come back and tell me my card is deactivated and can not be activated. When I ask why they say that is all the info they have. I ask for them to refund the money I was charged for that was deducted from my balance on cash app if they would not be giving me a card and I was told they could not do that and that was the end of it. I have had so much turmoil with this company that Ive considered having an attorney handle a suit against them for a number of things they have done to me and for the problems they have caused by their incorporation. If they are allowed to keep doing innocent people this way and getting away with it issues will only get bigger and more common.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: U.S. BANCORP
State: CO
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 was a hard inquiry for a loan or credit service I didnt authorize. XX/XX/2023 from Elan financial services. 

I tried calling ( XXXX ) XXXX and all I got was USER BUSY notifications though my cell phone provider. 

Contacted XXXX and put a fraud alert no my report as well as disputed the inquiry.

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 2023-08-16
Company: Block, Inc.
State: VA
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:
On XX/XX/23 I paid {$350.00} to XXXX XXXX XXXX in XXXX Virginia. That day and every day after the merchant and their tech support has tried to find the funds as it was not received in their system. I have tried to contact cashapp to research the obvious glitch that merchants are not receiving payments showing completed and deducted from consumer balances. They have hung up and refused to investigate including trying to have me complete a dispute form choosing a incorrect reason ( which is fraudulent and not truthful and will cause them to close my account and never research anything ). Please fine cashapp a violation of fair and transparent financial transactions. Also investigate how many other they have done this too. I cant dispute a valid and authorize charge I received the goods and services for but the merchant didnt get there funds and cashapp wont fix issue. My phone number is XXXX, cashtag XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX MI, XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Inquired on XX/XX/2021, XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX Inquired on XX/XX/2021, 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: GOLDMAN SACHS BANK USA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023 I downloaded an app from the XXXX XXXX. I was prompted by the app that in order to use it I would need to sign up for the free trial and then pay {$40.00} after the 7 day free trial expired. So I proceeded and was immediately charged the {$40.00}. I suspect this is a scam the app developers use on unsuspecting people. I did not authorize the app to charge me {$40.00}. I reported this problem to XXXX and they are telling me I am forced to pay even though I was scammed. So I am elevating this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to bring to your attention a serious violation of my privacy rights by XXXX XXXX XXXX, a matter that falls under the purview of the Privacy Act of 1974 ( 5 USC 552a ). I believe the bank 's actions not only contravene the provisions of the Privacy Act but also implicate additional federal regulations, including 5 USC 552b, 16 CFR 313.7, 12 CFR 1016.1, and others, thereby necessitating your intervention and investigation. 

The specific instances of XXXXXXXX XXXX XXXX  's non-compliance with the aforementioned statutes and regulations are as follows : 5 USC 552a - Privacy Act of 1974 : XXXX XXXXXXXX XXXX  has failed to uphold the principles outlined in the Privacy Act of 1974. Despite the Act 's explicit provisions requiring financial institutions to safeguard and protect the confidentiality of individuals ' personal information, the bank 's actions have resulted in a breach of my privacy rights. I hereby request a thorough investigation into the bank 's practices in this regard. 

5 USC 552b - Freedom of Information Act ( FOIA ) : I believe that XXXX XXXXXXXX XXXX has not adhered to the provisions of 5 USC 552b, which govern the disclosure of information and records. It appears that the bank may have disclosed sensitive information without proper authorization, thus violating the requirements of transparency and accountability outlined in this statute.

16 CFR 313.7 - Privacy of Consumer Financial Information : The bank 's conduct may also fall under the scope of 16 CFR 313.7, which pertains to the privacy of consumer financial information. If XXXX XXXX XXXX  has failed to comply with the requirements of this regulation, it further strengthens my case against the institution for the improper handling of my personal financial data. 

12 CFR 1016.1 - Privacy of Consumer Financial Information - Standards for Safeguarding Customer Information : XXXX XXXX XXXX XXXX failure to adhere to the standards set forth in 12 CFR 1016.1, which outlines the requirements for safeguarding customer information, raises additional concerns regarding the bank 's data protection practices. 

I kindly request that the Consumer Financial Protection Bureau undertake a comprehensive investigation into these matters, considering the gravity of the violations and the potential harm caused by the bank 's actions. Furthermore, I urge the Bureau to take appropriate enforcement actions to ensure that XXXXXXXX XXXX XXXX  rectifies its non-compliance with federal privacy laws. 

Enclosed with this letter, please find supporting documentation, including any relevant correspondence with XXXX XXXX XXXX that may assist in your investigation.

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 2023-03-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have XXXX money order in XXXX cheques deposited into my account since XXXX/XXXX/2023. Within the the XXXX money orders XXXX have been cashed by the bank they received the funds already. My account has been restricted because they have not cashed the others money, and no fraudulent activities has been confirmed yet it is still in process. What i do not understand is why i can't have access to be own money into my account while the money order in process have not been cashed yet. As a consumer i have affected by this, because i feel like i am not treated fairly and i missed my rent payment because of this .Is there anyway i can take legal actions against chase bank XXXX Also i requested their employee number they did not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I opened an account with coinbase to buy crypto coins and kept putting money in from my XXXX XXXX  and after a year in XXXX of 2021 my account was locked and i finally got a hold of coinbase on the phone and they say they locked my account someone had transfer my coins to there accounts but that is all they told me then they told me i had to prove it was me to get access to my account i did that many times and they continue to tell me to prove i proved with my license and other ids I had over {$4000.00} dollars in it in coins they stole and still to this day it is locked and they avoid me i reported to bbb they tried to contact the coinbase company but no luck so they told me to contact your office

Company response to consumer: Closed with explanation