BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-21
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
An unauthorized account was opened using Cash App in the name of our employee. The account was determined to be fraudulent. The account used the bank routing number for XXXXXXXX XXXX XXXXXXXX and account number XXXX. The email used was XXXX. This person used fraudulent emails and bank information to request that we deposit the employee 's payroll check into the account. The scammer was quite good and we did not realize it was fraudulent until we had transferred the paycheck on XX/XX/2021 and had {$1800.00} stolen. 

It seems that criminals are using this Cash App and prepaid cards to steal money without having to show XXXX open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Received a robocall from " Citibank '' on XX/XX/21 at XXXX. The person I spoke with said they wanted permission to lower my interest rate and minimum payments, and that it would cover not only my XXXX card but all my credit cards. They said they issue the billing statements for the banks. I called Citibank and was told it was not true. The caller knew my name. I did not give out any other information but I did respond " yes '' to a number of questions. Please stop these people. I try not to answer any robocallsl but the bank name caught my attention since I have an account with Citibank.

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 2023-09-14
Company: JPMORGAN CHASE & CO.
State: GA
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:
I am refilling this complaint to JPMCB CARD for allowing fraudulent accounts on my credit report and for no corrective actions taken on these fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-05-21
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an account with Santander Consumer XXXX USA car loan. I have not been past 30 days within in the past year. Often, I have to call Santander Consumer USA to report my account. They did go back report my account as late every month and previously it was reported paid on time on XXXX. I did have deferrement on the account last year XXXX. XXXX due to COVID. They reported it as 30 days late. For XXXX. XXXX they reported the account is current paid on time. They have not reported for XXXX or XX/XX/2021. They also reported my account paid and late within past 90 days. This has dropped my credit report I am in the process of closing on home and this could keep me from my purchase. I am asking that Santander will report correctly and show where I have been making on time payments and remove the negative issues on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
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: Account status incorrect

Complaint:
I contacted XXXX XXXX XXXX today XX/XX/XXXX about a balance of {$1300.00} that is reporting on TransUnion and XXXX. I spoke with a representative by the name of XXXX who refused payment and stated, The account was sold on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX because we didnt get our money. I asked XXXX why it is still being reported by credit shop if it was sold and she said she doesnt know, it shouldnt still be reported by XXXX XXXX XXXX and that I could dispute the information with the credit bureaus. I have sent multiple disputes via TransUnion, XXXX and XXXX shop but it keeps coming back verified.This is a direct violation of my rights as a consumer. Per the FCRA, if an account was sold to a collection agency the original creditor should no longer be reporting the balance. I am requesting this account be removed immediately or I will take legal action.

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 2016-03-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I received a check from what i thought was to be my new job and deposited it before doing any work or spending the money i called USAA to verify everything was good to go since this was my very first job outside of the XXXX and had never dealt with payment from anyone else. The funds were available immediately and I asked the USAA representative if I needed to wait on anything else or is it that once the money is there it has been cleared The USAA representative let me know that everything was good to go and there was nothing further that would need to be done. This happened about a total of 4 times all to find out that i was being scammed and the only reason i found out is because i called and asked a question to USAA after that i have been given nothing but the run around with XXXX member being very understanding while she filed a second fraud alert for me she stated she did n't know why i was given false information and why they did n't check into it when i initially had inquired about the situation. She said the only notes on my account stated that I would be reliable regardless of it being a fraud/scam case because it was my account. She tried to get in contact with someone in management yet was not able to. Every time I call USAA i am given the run around leaving me with the burden of fixing what they failed to do. I am beyond frustrated and out of all my money. They do not seem to care one bit nor have they tried in anyway to resolve this issue. I was given checks from a closed account which were returned on XX/XX/XXXX. This is now a FBI investigation case because it is happening without the companies knowledge and outside of state lines. It is occurring in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I have been told by my legal assistant that usually the bank makes the customer whole but it is up to the bank. I feel that i banked with USAA not only because I am an XXXX but because as a bank i would think they would verify things that would keep my money and myself safe from such situations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Southwestern Investors Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX XX/XX/XXXX I received a call regarding a debt I owed. I called business the business associate named XXXX told me I had a debt of XXXX XXXX from years ago. This debt was under already resolved. I told him it was paid and not to call me or anyone I know he perseeded to tell me my social security number over the phone with is a violation of the ftc. I told him this and not to contact me again regarding this or I will retain a lawyer you sue this company. He told me to get a job, since I'm home collecting unemployment benefits. I don't want a company giving out my ss # and also harassing me over the phone. Refused to go me address of company or to speak with the owner of the company. Then called me harassing comments. Unprofessional, rude, and violates ftc practices.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-21
Company: Square Inc
State: TX
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:
On XX/XX/2021 @ or around XXXX XXXX, I attempted to make a purchase in the amount of {$7.00} at fast food restaurant chain XXXX XXXX My purchase was in person using the chip enabled debit card. My transaction was declined. I had more than ten ( 10 ) times the purchase amount in the account at that time. I have not been able to use any of my assets associated with this card, which effectively such assets are the target of fraud by Square Inc . I have previously tried several times to resolve similar issues with Square Inc., all to no avail. Square Inc., has never provided an explaination as to why each and every transaction request to date has been declined despite sufficient funds to pay for all transactions to date. Square Inc., is engaging in wholesale fraud, and unjust enrichment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had a joint account with XXXX XXXX XXXX that was charged off XXXX. 

Per my credit report, it states the debt owed is {$3000.00}. This debt is not reported on my spouse 's credit report It was a joint loan ), and they are not responding to calls at XXXX to obtain a copy of the debt so I can try to settle the debt. I have left messages on the general voicemail and a message with XXXX XXXX, the account manager. 

This is not my first time trying to settle this debt. I tried to resolve this debt in XXXX, XXXX. 

I have tried to dispute the debt, and they report back to the credit bureaus but not to me. 

I want them to respond to my inquiry and see if an arrangement can be met. 

My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX Acct # XXXX last four XXXX Joint with XXXX XXXX XXXX XXXX Any assistance or guidance is appreciated.

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 2015-12-31
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX/XXXX/2015, I filed an dispute with Diversified Consultants. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised them that not complying wit the FDCPA will put their company in a bad position with the CFPB. Diversified Consultants never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I was requested money from a stranger who got ahold of my information and CashApp automatically allowed the payment without any authorization from my end. I have contacted CashApp about this multiple times with my claims only to be denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Affirm Holdings, Inc
State: DC
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:
These Affirm loans are Fraudulent. 
Apparently, someone has gotten hold of my personal information and gotten loans in my name. 
On XX/XX/XXXX, I ordered you to CEASE and DESIST reporting to my XXXX Credit Report. You reported again this month. You have broken the law! This is violating my consumer rights & punishable by fines. 
I am ordering you a SECOND CEASE and DESIST, effective IMMEDIATELY! Do NOT REPORT ANYTHING TO MY CREDIT REPORTS EVER AGAIN. 
I also attached a letter from the US Marshall Service for Cyber Security, PROVING that on XX/XX/, my personal information was identified and found to be compromised. My email address was also found on the dark web. This was before you reported this alleged debt. I also had a fraud alert placed on all my credit reports, before you reported this alleged debt. 
I filed an XXXX Dispute and a Dispute with CFPB. I asked, but You provided Zero dated and signed documentation of a loan application nor a dated and signed loan origination form nor the ORIGINAL PURCHASE AGREEMENT, with ALL terms and conditions, PROVING I OWN this alleged debt.Therefore you have ZERO proof that I own this alleged debt. 
You have NEVER provided ANY document with my WET SIGNATURE ON IT. A TYPED LETTER FROM YOUR COMPANY IS NOT Debt Validation NOR is it A LEGALLY, BINDING Loan Agreement, Nor is it an ORIGINAL PURCHASE AGREEMENT. 
I am ordering you to remove ALL accounts from my credit report, IMMEDIATELY & PERMANENTLY. I will not pay these debts. Your cooperation is bound by law and greatly appreciated. This is my FINAL attempt to resolve these fraudulent accounts with you, before taking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts are not mine.

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 2023-09-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been called multiple times from different phone numbers matching my area code, usually in the XXXX  hours ( after XXXX ). When I call back, I am told that it is Portfolio Recovery. I do not owe any debts, and if I did, I wish to be notified in writing. When I pick up the phone, there is no answer whatsoever, for around 30 seconds and then they hang up. I am only aware that this is Portfolio Recovery because when I call them back, it goes to an automated system saying their address and information. This seems like an automated robocall. I have been added to the Do Not Call list. Obviously, without a way to be taken off of the list since no representative ever answers, I can not do anything and the calls come at very inconvenient times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: Atlanticus Services Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
So, two years ago, I opened a credit card line with Fortiva when my wife and I were buying furniture for our then new apartment. The credit card was paid off and was left open. This last week, I got a notification from my XXXX XXXX account that an account was closed and opened. I looked into it and found out that Fortiva had closed my original credit card account that I opened 2 years ago and opened a new one. Without my permission. I called Fortiva and asked them about this and they said they sent an email a few months ago saying that there were canceling credit cards that were associated with that furniture store. If customers didn't reply to this email, that they sent, Fortiva was automatically going to close the account and open a new one. Upon doing research online and contacting XXXX, I found that this is illegal that a bank or credit card company can not open an account or line of credit without permission of the customer. I did not give permission, this damaged my credit, and I am having to do a lot of work to reverse this. I opened a claim with XXXX and I will be filing a police report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt to diversified was paid based on my agreement with them. They were supposed to forgive the XXXX and i paid them the XXXX the beginning of XXXX to process XXXX XXXX. The Supervisor i talked to said she was going to have them hold the account there since they had the payment in hand. XXXX sold me faulty phones and then all my identity info was hacked into in their system. I am trying to refinance my home and need this collection removed since it is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I first contacted Venmo on XX/XX/2023 and asked them to help with my account because I was getting an error code. They told me to Waite 24 hours and it would work I waited more than 2 weeks and it has still not worked. Ive asked them if there was an outage they said no but another representative there said there was. I have funds in my account that I cant access and they basically told me theres nothing they can do for me and all I can do is Waite and see if one day that it might work. The money on the account was used for bills and such and now Im over drafted and have late fees and so on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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