BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-12
Company: Kikoff Inc.
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 XXXX XXXX XXXX XXXX I was billed the amount of {$310.00} by XXXX. I have spent several weeks communicating with XXXX to resolve this matter. During the course of this communications I was informed by XXXX directly that the fastest way to effective resolution to this matter of the billing error was to contact the financial institution and to dispute the charge with them directly. 

However after multiple attempts to speak with kickoff LLC customer service day to dispute this charge as directed by the merchant to do so their customer service agents are unable to see this charge and stating " unfortunately if I can't see the charge then I can not start a dispute '' of which I said if you can't tell me what happened to the {$310.00} in my account last XXXX XXXX XXXX XXXX then I need that money back in my account now. Their customer service staff says I understand what you're saying and that you are right but unfortunately there's nothing that I can do in my hands are tied. Kickoff LLC is a secured credit card prepaid credit builder program loan thing and their transactions are oversaw by XXXX XXXX XXXX If their customer service department is unable to maintain records related to my direct deposit account as required by federal regulations then they are not responsible not to be running that organization

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
XXXX, XXXX AND TRANUNION REFUSES TO INVESTIGATE AND REMOVE XXXX XXXX XXXX AND XXXX XXXX and XXXX XXXX FROM MY CREDIT REPORT. THESE COMPANIES REFUSE TO DISCLOSE THE METHODOLGIES OF WHY THEY REPORTING THIS FRAUDULANT ACCOUNT AND WHAT INFORMATION THEY ARE OBTAINING FROM THE COMPANY!! THEY JUST KEEP SAYING IT WAS VERIFIED!! IT IS NOT VERIFIED!! DISCLOSE YOUR REULTS AND HOW YOU CAME TO THEM ALL TO ME -ALL THREE BUREAUS OR BE SUED AND REPORTED TO THE DEPARTMENT OF JUSTICE AND THREE STATES ATTORNEY GENERALSD!! THIS COMPANY IS GIVING CFPB XXXX THAT I AM NOT A REAL PERSON AND REFUSIING TO ACCEPT VALID STATE ID SENT TO THEM VIA THIS COMPLAINT TO PROVE MY IDENTITY TO INVESTIGATE AND REMOVE XXXX XXXX XXXX AND XXXX XXXX FROM ALL THREE CREIT BUREAUS REPORTS!!. I DO NOT ACCEPT THIS COMPANIES RESPONSE.THEY DID NOT INVESTIGATE XXXX XXXX, FRAUDULANT XXXX XXXX XXXX OR XXXX XXXX AT ALL AND DID NOT SEND ME AN UPDATED COPY OF MY CREDIT REPORT. IN ADDITION IM A VICTIM OF FRAUD. THIS COMPANY IS LYING AND NOT PRODUCING DOCUMENTS UNDER FCRA SECTION 609 WITH MY SIGNATURE TO PROVE ALL THESE FRAUDULANT DEBTS, WHICH THEY ARE NOT VALID. XXXX  XXXX  AND TRANUNION CAN NOT PROVE THIS DEBT IS VALID AND IS VIOLATING STATE AND FEDERAL LAWS BY NOT INVESTIGATING MY COMPLAINTS. XXXX XXXX AND XXXX ARE REMOVED FROM MY CREDIT REPORT. THEY ARE NOT VALID OR LEGAL DEBTS -THEY ARE FRAUD AND WILL BE REMOVED FROM MY CREDIT REPORT.I WILL SUE THIS COMPANY-XXXX-I HAVE REPORTED YOU TO THREE STATE ATTORNEY GENERALS FOR FRAUD AND ILLEGAL ACTIVITY, NOT FOLLOWING FCRA. IN ADDITION THESE COMPANY IS REFUSING TO ALLOW ME TO ACCESS MY CREDIT REPORT ON XXXX FOR FREE THROUGH XXXX WHICH IS ILLEGAL. TRANSUNION REFUSES TO ALLOW ME ANY ONLINE ACCESS TO MY CREDIT REPORT ON XXXX AND THIS IS ILLEGAL UNDER FCRA. REMOVE THESE ITEMS NOW OR BE SUED FOR MILLIONS OF DOLLARS AND PROSECUTED BY THREE STATE ATTORNEY GENERTALS OFFICES!! REMOVE XXXX XXXX XXXX AND XXXX XXXX AND XXXX XXXX FROM MY CREDIT REPORTS, OR I WILL KEEP FILING COMPLAINTS AND LAWSUITS UNTIL YOU DO!! THESE ARE FRAUD AND XXXX  TRANSUNION AND XXXX  DID NOT AND CAN NOT PROVE THIS ARE LEGITIMATE DEBTS. THEY ARE ALL VIOLATING FEDERAL AND STATE LAW AND HEADED TOWARDS MILLION OF DOLLARS IN LAWSUITS BY ME. IVE REPORTED XXXX XXXX AND TRANSUNION TO THE DC AND CALIFORNIA ATTORNEY GENERALS WHERE YOU ARE HEADQUARTERED. THESE COMPANIES HATE OUR NATIONS VETERANS AND WOUNDED WARRIORS AND DISCRIMINATE AGAINST XXXX PEOPLE, XXXX PEOPLE, AND XXXX VETERANS!!! DO NOT SEND THE ATTACHED DOCUMENTS TO XXXX AND XXXX AND XXXX XXXX THEY ARE FOR XXXX/XXXXTRANSUNION IN PROVING MY IDENTITY.

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 2021-06-03
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: Their investigation did not fix an error on your report

Complaint:
transunion refuse to investigate the inaccurate information 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 explanation
Consumer complaint received 2023-08-12
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
They gave me a line of credit for {$1300.00}, and I made XXXX payments of XXXX semi weekly and my balances is XXXX, I wonder is they subtracted the money I paid XXXX email them and also talk to a representative about this matter, they is overcharged me in interested. Been making payments ever since XXXX of XXXX, could you look in to see if there are fraudulent interested fee .Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: CITIBANK, N.A.
State: CT
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:
A citicards card was added to my XXXX credit report : registered with Citibank in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never had an account with Citibank. I've never even been to XXXX XXXX. This card had debt and was reducing my credit score. Naturally, I filed a complaint through experian. Citibank XXXX XXXX responded with a letter XX/XX/2023, stating " We are unable to update the credit report as requested. To remove authorized users from credit reporting, the authorized user must be removed from the account. '' I tried to contact Citibank, but of course could not speak to any one about this account since, as it is not my account, I don't have the account details. I reached out to the branch, but to no avail : They never picked up the phone or responded to my letter. XXXX got back to me with a report, Numbered XXXX & XXXX XX/XX/2023 stating " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. ''

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 2023-08-12
Company: Block, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Cash app does NOT provide any support to its platform users and allows scams to happen even after they are reported. They do not help protect against fraud and only leave it up to the person who committed the fraud to issue refunds. They were contacted several times between XX/XX/XXXX through the XXXX and would not provide support about this issue and just deny you support and hand up on you. This is serious unfair trade practices and must be stopped. Cash App puts you with an advocate who just tells you its your own fault and that they cant help its platform users.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: SCA Collections, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/22 I went to an in-network dermatologist. Two biopsies were taken and sent to a lab. I received a bill for {$1100.00} for that labwork. I wrote two written appeals disputing the lack of coverage from my insurance company ( XXXX ) and had numerous calls often over an hour long with their " advocate team ''. Unfortunately, I don't have those dates. The last thing I remember hearing was the latest appeal would be processed. I never heard back. This was in XXXX of 2022. 

Today, I received a notice fro XXXX ( credit bureau ) that I have an {$1100.00} bill in collections. I never received any notice from my insurance company, the collections agency or the lab ( XXXX XXXX  XXXX XXXX ) that this bill was going to collections after submitting the disputes.

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 2020-07-10
Company: Experian Information Solutions Inc.
State: PA
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:
The 3 Credit Bureaus are reporting inaccurate information on my account and it is hurting my credit score and stop me from from XXXX XXXX during these hard times I sent in 2 letters stating that they aren't reporting accurate information on my credit report I recently made an account with XXXX  XXXX and the facts are right there I can upload supporting documents to show my proof.

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's unreasonable, given that I've consistently made payments on this account promptly without any delays. Kindly adjust my account to reflect the correct payment history.

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 2023-07-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My bank, USAA federal Savings Bank mishandled my IRS tax return. My return was filed as direct deposit through USAA Automated Clearing House. The direct deposit account was incorrect as one number was omitted making the account number 7 numbers. My account number is 8 numbers. USAA agent said the deposit would be returned to IRS as the account number did not match the name of the recipient, which is me ( IRS sends name, routing number, and account number with ACH direct deposits ). This did not happen. i talked to XXXX customer service and Membership Resolution team members for the last XXXX weeks with no results. USAA Retail Banking Operations sent three " Dispute Resolution Concluded " notices claiming they had made the deposit as instructed and said to contact the sender IRS. IRS does not agree and said the issue must be resolved by the bank, USAA. My Congressional office also agrees USAA should resolve the issue. To date contact with USAA ACH department has been attempted by email, phone, and mail with no results. USAA should have matched the deposit number with the recipient name and they did not do this. Rules concerning federal ACH deposits clearly state this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
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:
TRANSUNION CONSUMER SOLUTIONS dba TRANSUNION LLC has violated my rights as a CONSUMER and this has caused me a great deal of emotional and mental stress. 
TRANSUNION CONSUMER SOLUTIONS was put on notice to Cease & Desist as of XX/XX/2022 the following alleged accounts/information due to CONSUMER Right To Privacy 15 USC 1681 Section 602 ( a ) as TRANSUNION CONSUMER SOLUTIONS et all does not have any written permission from me pursuant to 15 USC 1681 XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX Address XXXX XXXX XXXXXXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX  & XXXX XXXX Address XXXX XXXX XXXX XXXX, PA XXXX DEPT OF ED / XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX TransUnion received the Notice to CEASE & DESIST on XX/XX/2022 via certified confirmation receipt, number available.

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 2020-07-27
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have a coinbase wallet account with Coinbase and was recovering a wallet with my 12 key passphrase, when I recovered my wallet I had noticed that {$500.00} worth of Etheruem ( cryptocurrency ) has vanished XXXX I have not done any transactions with this currency for the money to leave my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX - XXXX has violated my rights. 

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

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-05-20
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the fair credit Reporting act XXXX Account # 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 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 purpose.

372k

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 2023-06-11
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I began a repayment plan with Discover Financial in 2022 to pay off the balance of my credit card instead of accepting a settlement which would have closed my account. I understood that the card would continue to have no available credit until a point where the account was re-evaluated. I've been in the process of improving my credit and paying off creditors starting with the least amount owed. Since then, I've paid off a car, paid off one credit card in full to re-establish a line of credit and made an agreement to pay another off 2 months from now. Once this was paid off, I would pay at least {$500.00} a month to Discover instead of the {$250.00} ( twice the minimum agreed upon ) I've paid on time since the agreement. 

I've been informed now that despite not missing any payments since beginning this payment plan, that my account is closed. This is a breach of contract. I was never advised that in order to maintain an " open '' account I could not use, that they would create some arbitrary deadline to repay the entire balance. 

When you discuss repayment plans, make them put it in writing. Get transcripts of calls. Record them and advise them they're being recorded if it's legal in your State. 

And if you're considering Discover, I'd advise not to at all. I thought they would honor their obligations according to the positive feedback they used to have. XXXX gives them a XXXX rating ( XXXX XXXX XXXX XXXX ). Something must've changed. They're covering potential losses in the event of a recession, so they're closing accounts to reduce risk. How is " no credit available '' a risk to them?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do 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 block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 explanation
Consumer complaint received 2019-10-10
Company: M&T BANK CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX sold my mortgage account to M & T Bank. I decided to open a checking account online with M & T Bank. I entered my information ( including my SSN ) and other information. My Mortage account and checking accounts are linked. That same day of opening the checking account, I was allowed by M & T Bank to fund my account with {$250.00} via a credit card ( not sure if that is legal? ). 

I've held the accounts for 3-4 months. I recently inquired about closing my account and withdrawing my funds. The bank replied that it would cost {$50.00} to close my account early plus additional fees for mailing a check. The bank then stated that my account was frozen ( so that I couldn't withdraw ) until I submit verification forms of Social Security Card, Utility Bill, Drivers license. I contacted their verification department, and made the point that I was able to open the account and deposit money, so I should be verified since I gave them my ssn and they have a mortgage account for me already. The verification department refuses to unfreeze my account until i " Provide my original social security card '' to them! I told them that I was uncomfortable with doing that and then they emailed me saying, " We need your original Social Security Card and a current bill. The hold will remain on the account until we receive the requested documents. ". Every time I talk with them the verification forms they are requiring changes and I'm not sure why. As provided above, I do not want to give them my original security card as they're demanding but they're refusing to unfreeze my account so that I can close it out which seems pretty shady. Please help with this, I also dont want to take on their huge fees in closing out early and will wait a few months to do so without a fee, but I cant do anything until the account is unfrozen.

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 2023-02-03
Company: Halsted Financial Services, LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company called Halsted Financial Services LLC has been calling my number everyday for several months now. I have never received any sort of correspondence from them regarding the nature of their call. I don't answer their calls. I don't know who this company is. I have never done any business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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:
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