BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-17
Company: Bread Financial Holdings, Inc.
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
In XX/XX/2022, I made a purchase and was asked if I wanted to upgrade my card to a MasterCard. They actually canceled my current account and opened a new one. When I made the payment in XXXX ( {$290.00} ), it went to the old account. In XXXX, I got a call my bill was not paid. I found out I paid the old account and they would not transfer the money. I was told I would receive a check for the overpaid balance and was asked to repay the same amount to the new account. I did that. I have called month after month and talked with reps and supervisors and still, not check despite promises. 1st check went to the wrong address in XXXX. Since then, no check has been received and they offer no explanation or solution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 went to the car dealership to purchase a vehicle. The dealership pulled my credit report. It was only supposed to be one inquiry. However when I checked my credit report the following week, it showed that I had multiple hard inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a settlement letter via fax that acct # XXXX was to be settled for the amount of {$2400.00}. I set that payment up and it was taken from my bank account see documentation. I then never received a letter saying it was settled so I had my wife call to get XXXX, they told her they couldn't speak with her ( after I had already authorized her twice before ) I then received a notice from Resurgent on XX/XX/XXXX that said my debt was sold to them and that I still owed the remaining amount on my account. I paid the settlement on XX/XX/XXXX per the agreement. ( see bank statement ) I also received a settlement letter for account XXXX with the agreement of paying {$3200.00} by XX/XX/XXXX, they didn't let me make the payment in accordance with their agreement as my account was sold on XX/XX/XXXX to Resurgent. I was supposed to have until XX/XX/XXXX to make payment and they did not allow that to happen. ( see letter ) Resurgent refusing to acknowledge payment for account XXXX and is still collecting on the remaining balance that was to be settled. Also refused to acknowledge the original settlement agreed on acct XXXX for {$3200.00} even though they had the account before the original offer expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
THESE ACCOUNTS ARE STILL REPORTING INACCURATELY ON MY CREDIT REPORT WHICH IS A FCRA VIOLATION. PLEASE CONDUCT PROPER INVESTIGATION AND REMOVE THESE INACCURATE ACCOUNTS IMMEDIATELY. THANK YOU I HAVE ALSO SENT IN PROOF TO SUPPORT MY CLAIM AND HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS.

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: EQUIFAX, 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:
For the last 8 months I have had constant issues with XXXX merging my credit file with someone else. I spend about 2 hours a day on the phone disputing items. Yesterday XX/XX/2023 I called XXXX to dispute inquires on my credit report that were fraudulent and to ask them about my credit score. So an hr after the dispute request I received and email stating my dispute results were ready. When I logged into my XXXX Credit Report XXXX added {$89000.00} of fraudulent debt to my report. XXXX different names, XXXX new address which were in various states throughout the United States and XXXX new inquiries. XXXX destroyed my credit. I now no longer qualify to purchase a home. I have suffered severe XXXX  and XXXX  because of these constant issues. Now Im being told that it can take 30 days for an investigation. I called this morning XX/XX/2023 to make sure all items were being disputed correctly and was transferred to the specialized department. A man who kept talking over me stated that I needed to send in my social security card, drivers license and proof of address. I explained to him that I did. He didnt want to listen. I told him if he checked his system he would see I uploaded my documents weeks ago and sent documents via certified mail. I was placed on hold then I was told that their system has a conflict in social security numbers and names and that at this point the social security administration would have to provide something showing my social security number was issued to me along with the same documents my ID, social security card and proof of address. So now Im being told I cant dispute anything off my credit and no one can help me. I am mentally tired I spend a minimum of 1-2 hrs almost everyday trying to correct my credit with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I needed to send a wire for {$17000.00} from Capital One bank. I tried to do it on Friday, XX/XX/2023. I have {$58000.00} in the account I want to wire from. It says you can send a wire from the web site which I tried but kept getting a message that read Sorry error occurred, please try again later ( paraphrasing here ). I called and spoke to a woman on Friday and she said she entered my number on a white list and authorized the wire so I should wait 15 min and then the wire would work. It did not. 
I tried again online on Monday, XX/XX/2023 and received the same error. I called again on Monday and spoke to XXXX employee ID XXXX. He said that he was unable to send a wire, that I needed to do it online. I said I could not do it online because their website was not working properly. He said there was nothing he could do. He told me he was the uppermost management person there that day so I was refused the option to speak to a supervisor. He suggested that I drive to a XXXX XXXX bank, use my Capital One debit card for a cash advance, and then put the money into the recipients XXXX XXXX account. I said I did not think that XXXX XXXX would allow me to do that. I also said that MY money was in Capital One bank and that I wanted to send a wire from MY bank. Not possible was the response I received. I asked if he could change the XXXX limit for a one time transaction and he said no. I asked if he could send a cashiers check to the recipient and he said no. I said its my money and my bank, I should be able to do this. No, was the final answer. Shouldnt I be able to send a wire from my bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
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: Personal information incorrect

Complaint:
I have only XXXX phone number As I look on my XXXX, XXXX and equifix I see unknown phones that doesnt belong to me the only phone number tha should be listed is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Block, Inc.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened my Revision Learning Square account in XX/XX/XXXX to continue invoicing customers under my new business. ( I was a sole proprietor before. ) After sending my first Revision Learning invoice for college admissions services, I decided to also open a Square Business Checking account and Square Business Savings account shortly after. On XX/XX/XXXX, I got an email from Square notifying me that my account had been suspended ( no reason specified ) and access to my funds had been locked. It linked the Square Payment Terms. The only reason that might fit was that my services are unsupported. This is confusing, as I provided more than $ XXXX of the same service this past fall without any issue. I also know of several other people who provide the same services without any issue. I wouldve been happy to provide additional context about these services if Square had reached out to me ; instead, they suspended my account without any warning. I reached out to Square multiple times in the past month for clarification and was repeatedly told to refer to the email ( which did not explicitly state the reason for suspension ). I was also told to only email, as phone calls are reserved for customers with an active account. However, whenever I email ( I've tried numerous times at this point ), I get a clearly copy and pasted response telling me to refer to the email on XX/XX/XXXX. I do not want to do business with Square moving forward. However, I am concerned about the $ XXXX of my business 's money that is locked in my Square account until XXXX. Most of this money was transferred into my Square Savings account and not even processed by Square. It is essential for me to have access to that money to continue running my newly-opened small business. Attached is a letter I sent to Square within the past month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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. 


Account Name : USDOEXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I bought XXXX of BTC on Venmo , and have had problems with sending small amounts ever since I made the initial purchase.

Fast forward to today, I have a balance of roughly 11k in BTC and the Venmo app is not letting me send to a different wallet or cash it out ; its literally stuck in Venmo, they are holding my entire crypto balance hostage, I cant even send small amounts. This has been happening for almost 2 weeks, I havent been able to touch my money. Ive tried everything from the waiting game to reinstalling the app many times, my phone etc.. 

Ive spoke with Venmo assistance on phone and lengthy mail conversations, their best advice is to reinstall the app, Ive done this multiple times. Still nothing. Ive explained my troubles and have spent hours of my time going back in forth with their support team, theyve told me this last : the true ( and likely frustrating ) answeris that we are not able to resolve this for you. You may try to make the transaction again at a later time, but I can not guarantee it will work. You may also try a different payment method, which will be subject to the same internal reviews. 

I'm very sorry again for the inconvenience this causes but if you have additional questions or concerns please let us know! 

Best, XXXX XXXX | Venmo Support VENMO IS STEALING CRYPTO MONEY AND GIVING NO SOLUTION!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , FL XXXX ; XXXX XXXX Balance Owed : {$13000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
Company: ALLY FINANCIAL INC.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dispute to Ally Bank XXXX XX/XX/2023, 2 x {$880.00} ACH payments were made to my new and old mortgage lenders. 
At the time my old mortgage lender sold the loan to another mortgage company. I added the new mortgage lender to my online Bill Pay and paid the new lender and cancelled the payment to the previous lender. The ACH was still being processed and still charged my account at which time I disputed the charge ( {$880.00} ). 
The dispute was Approved by Ally Bankon XX/XX/XXXX and a credit was applied to my account. 
On XX/XX/ the charge was then reapplied to my account without notice or contact. 
I contacted the bank and they said they have the right to reject their initial approval. 

To withdraw funds from an account without notice appears to be a wrongful transaction. Furthermore I can not find any documentation in Ally Bank policies that states they have the right to withdraw or reject a dispute they initially approved.

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 2023-08-17
Company: EQUIFAX, INC.
State: NY
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:
I did not consent or recognize any of these inquiries on my credit report. Please have them removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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 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 2023-02-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX accordance with the Fair Credit Reporting Act XXXX accounts ( XXXX XXXX XXXX ) and ( XXXX XXXX XXXX ) have violated my rights. 15 USC 1681 section 602a states I have the right to privacy 15 USC 1681 section 604 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 2023-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Several issues. 

I have tried to dispute charges, as XXXX from XXXX on XXXX statement, but they refused to open XXXX. 

Have made a dispute with XXXX for {$10.00} the sided immediately with XXXX, as if any XXXX charge is valid, although XXXX says they canceled the charge. 

On XXXX made a purchase with XXXX, which target refunded {$5.00} but Capital one never posted. 

On XX/XX/XXXX I tried to make a payment, as I always pay by the due date in full, their website couldn't take payment kept posting try later .... 

The same day as the due date they posted a late fee, I called them spoke to XXXX  amongst several people, realized of their mistake and credited the late fee charge right away and saw that I made payment, whom he assured that not interest fee will be posted as full payment was received and processed a date later ( due to Capital One 's isues ) however I was tackled interest fee of {$28.00} on XX/XX/XXXX. 

Most of their employees act XXXX, when they hear that the issues is a dispute and or credit request they disconnect the calls, a conspiracy to defraud cardholders. 

I sent and email to customer service and the ceo, no one replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: CREDIT ACCEPTANCE CORPORATION
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: Account information incorrect

Complaint:
I co-signed on a loan with Credit Acceptance for my ex-husband, he got into an accident with that car loan and the car was fully covered by insurance company so it should have paid off the loan. My husband and I separated and I found out years later that the loan company only paid everything but one payment. Since they were unable to locate my husband they charged off the account, then they located me years later and has been reporting as open and late payments years later. I agreed to pay off loan with them marking account paid as agreed on my credit. I sent certified letter for this and spoke with someone on XX/XX/2023 and XX/XX/2023 when I made final payment agreeing that they received the letter and would mark account as paid as agreed. There are also several inaccuries being reported on my credit with this car company and this has been reported to all 3 major credit bureaus. This is still listing with an open balance of {$390.00} to spite it being paid on the XX/XX/2023 and all late payments are still reflecting. Every time I contact Credit Acceptance they state they will remove them and they are still not removed.

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 2023-02-10
Company: Alliance One, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
AllianceOne Debt Collector sends text messages to my cell phone after XXXX, they were texting me at XXXX this week. This not only incredibly unprofessional, but also disruptive.

Company response to consumer: Closed with non-monetary relief