BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-20
Company: Square Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
After trying to send funds to my Church /Pastor I discovered that my account has been able to send funds " I was in violation of sending funds " I bank with the US government, Military.. What violation exactly!! Once I continued to look a little further I discovered that the Cash App to send and Transfer Funds had Been hacked! I immediately called customer support I found out that Cash App doesn't have live representatives take calls, so I sent customer support and email here 's what I got : From XXXX Thanks for reaching out but we dont currently monitor this email. For help and to contact Support, open your Cash App and : Tap the profile icon on your Cash App home screenSelect SupportNavigate to your issueNeed more help? Tap Contact Support If youve already contacted Support and are following up about an existing issue, please respond to the last email you received and include the Case ID ( located in the body of the email ). 

Thank you, Cash App Support ref : XXXX : ref This was the additional email that stated this : Hi XXXX, After a recent review of your transfer of funds, we detected the use of Cash App for activity in violation of Cash App 's Terms of Service. As a result, you will no longer be able to use Cash App to send or receive payments. 

We are also exercising our discretion under Sections 4 and 5 of the Cash App Terms of Service in the decision to block or reverse your transfer of funds. For security reasons, unfortunately we can not provide more details regarding our decision. 

Visit theCash App Terms of Servicefor more information.

Thank you, Cash Support To be able to block or reverse money 's sent to a customer without explain or provide any details about how this decision was made on an accout that was hacked!!! Is very concerning so in other words Cash App ' a are the thieves! Is this what I'm understanding.. Your keeping customers money under a section 4 or 5 clause that says what exactly? If your account is hacked then we still keep your money!! 

Please advise on the next steps I've also made it very clear I'm not going to hesitate to prosecute any Hacker ( s ) to the fullest extent of the United State of America Law!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
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 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 XXXXXXXX, 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 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 2019-06-17
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute the following information in my file. I recently received a copy of my Equiax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX  XX/XX/XXXX Please remove these inquiries from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION!

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 2023-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 there wasnt charge from Walmart in the amount of XXXX which I didnt authorize I was home getting an infusion of my meds not in Walmart my card was in my purse. Capital one then proceeds to charge back my disputed charge making my account over drawn by XXXX telling me the charge was valid when I have prove from my XXXX XXXX that the nurse was in my home that day

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: SIMM Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XX/XX/2019 and various other dates on XX/XX/19 called daughter asked for me and said if She didn't give info he has other relatives he can call..He has my number I just don't answer. 
Has called my work numberous times after I told Him not to Calls other relatives eventhough He has my correct address and phone # and I have asked Him not to. 
XXXX XXXX is the caller Sim Associates is the agency XXXX-XXXX-XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
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: Was not notified of investigation status or results

Complaint:
On or about XXXX XXXX XXXX  I have submitted a dispute letter to Trans Union with request to investigate 2 accounts. On or about XX/XX/ I have received a letter form Trans union stating the investigation has yield some changes, but they didn't provide an updated credit report as I have requested them to do so. ( please see attached ). I have submitted another request for them to reinvestigate the matter, but instead of investigating as they are required by law they send me a letter advising me not to hire " credit clinics '' or anyone for that matter, and that I can do it myself. I honestly believe this is a tactic they are using to avoid investigating and complying. After all what difference does it make if I choose to hire someone to dispute in my behalf or I do it myself? I never hear anyone telling me I can assemble my XXXXXXXX XXXX myself and not to hire anyone to do it for me. 
Nevertheless, every dispute is initiated either by myself or is properly authorized by myself. Please ask Trans Union to comply and continue investigation as requested. 
Thank you in advance

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: LEXISNEXIS
State: TX
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:
LexisNexis document listed me as a male. As a born female, I requested on multiple verbal communication, certified mail with copied proof of state-issued id and social security card to have my name corrected. After multiple attempts failed, I certified mail their LEGAL TEAM of this concern. The first request was in XX/XX/XXXX, I requested name correction, gender correction, an apology letter, and monetary compensation. As of XX/XX/XXXX, this company has only updated my name and gender. 

I AM STILL WAITING FOR AN APOLOGY LETTER, MONETARY COMPENSATION, AND THE DELETION OF THE ENTIRE FILE. 

THE FILE SHOULD ONLY HAVE AN ACCURATE NAME, CURRENT ADDRESS, PHONE NUMBER, DOB, LAST 4 OF SSN, AND GENDER FEMALE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Account opened with Coinbase XX/XX/XXXX. Additional deposits made XX/XX/XXXX and XXXX/XXXX/XXXX. 
Subsequently and on numerous occasions since, I tried to enter additional trades. Site response was, and is still, " Buys Currently Disabled. '' No explanation or remedies are offered. 
I have used all the customer support avenues available from Coinbase to no avail. No live customer support, either by voice or by live chat, is available. 
I am a retired senior with limited income. My Coinbase investment represents a substantial piece of my assets and I need to have access to my account. I need Coinbase to provide me with an explanation as to why this restriction was placed on my account and what I can do to have the restriction lifted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Approx, 2-3 weeks ago, I received a Visa Debit Card from U.S. Bank, congratulating me for this new ReliaCard. I did not activate it right away, as I was trying to figure out the reason for receiving it. On XX/XX/2021 I called the customer service number on the back of the card to Activate the card. It provided several prompts for this process. As I navigated through this process, it became clear I needed more clarification about this scard. I asked to speak to a live representative. It was here I was told this card was issued by the department of Labor, which included unemployment benefits.I am a retired XXXX. employee and have be retired for 22 years. I, at no time requested umemployment benefits.I spoke today with a representative of US Bank Realiacard and requested this card be canceled. The person I spoked to said it woud be canceled and I should receive a confirmation letter to that effect in aprox. 30 days. He also encouraged me to contact the Federal Trade Comission ato report I D Theft. I need to add I did not apply any funds to this card.

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 2018-09-05
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I found a charge on my debit card for {$150.00} It said XXXX XXXX ( deleted ) XXXX I called the Bank and submitted a fraud report. 
I found out the money was received by a XXXX XXXX XXXX 65 miles east in XXXX Ca. The bank suggested I call them, the bank gave me their number, they were closed. 
They have no branch in XXXX XXXX. They have a bad reputation in their industry. 
Citi bank credited my account then sent me a letter saying I was responsible as the card and PIN were present at transaction! They took my {$150.00} out of my account which caused me to be overdrawn, I took care of that depositing more money. I went to my branch and asked for help. We ( a very nice teller and assistant branch manager at the end ) spent close to two hours with their fraud department, rude and not caring. Supervisor wouldnt budge, I have no business with any home health care at all. I was in XXXX XXXX and XXXX all day including an oil change at ( name available ) I asked if the had contacted The recipients of my money in XXXX? 
She ( the supervisor ) said no to which I asked what was your investigation comprised of? She would not allow us to talk to back office where decision was made, they dont take calls. 

I was shocked, it is very plain to see this was NOT in my Spending Pattern they didnt bother to do anything to investigate, these people could be an organized fraud ring, Im not in the capacity to do an investigation myself, it could be dangerous. 
Some how, my Card was compromised and they got my PIN. The tire place did have my card out of my sight. Thats the only theory I have. 
They ( fraud department ) would not listen to my very sound reasoning. The branch was great but unable to help, assistant branch manager said wait a few days to get your money redeposited. I have heard Nothing from them since. The first investigation I was getting frequent messages ( emails ) with updates. 
Now nothing. It is obviously a fraud ring of some sort and they do not care. Other people are being victimized Im sure. Citi bank fraud department does not care. Small potatoes to them but stiff the customer fraud victim ( me ) with the obvious theft. 

The Fraud department is lazy and ineffective. 
Citi Bank should be ashamed. 

Please let me know any other info that is needed.

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 2023-06-14
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They started texting yesterday, XX/XX/2023 and I called to see what it was about and XXXX XXXX got verbal abusive and smart mouthed with me. I told him that I do not want to be contacted about this matter again. He stated he would be calling me everyday. Today, I received a call from him and I stated again do not contact me about this matter again. An hour later I received a text message from them. I stated stop to end the text messages. At XXXX today, I received another phone call from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: TX
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX 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 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 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 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 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: Open Dealer Exchange, LLC
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:
Ive tried calling each company but its either hard to reach them or they dont answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian wont allow me to submit multiple reasons on why XXXX is illegally requesting debt. 

Experian knows my information. They know I XXXX XXXX school XX/XX/XXXX. They should be familiar with student loans also. 

Therefore, they shouldnt be allowing XXXX or any other student loan services to attempt to collect a debt 3 months before its required to make payments. The promissory note stayed, 2 years after XXXX you begin paying. Afterward you can get forbearance or IBR. Etc. 

They attempted to collect XXXX school debt XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. Then I called them in XXXX and had to get a forbearance. 

At the time, I was going through a lot of other things but now I realize I didnt even need a forbearance yet. They forced me to use it by using experian to report negatively. Experian didnt do their homework on this one and Ive had to suffer for 4 years because of it. 

Experian, do your homework and stop just taking the word of these crooked lenders. Especially XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2021 I got a mail from PayPal having the subject line : We need some information regarding your PayPal account ( Ref ID - XXXX ). The email read that I needed to provide some documents and my account is limited and I won't be able to send payments or withdraw my funds. 

On XX/XX/2021 I provided them the requested documents that included supplier information and invoices and tracking numbers for some transactions. I also made a call to them and told them that we are the XXXX  also and I have been assured on a call that it is a routine thing and it will be resolved once the information is provided. 

On XX/XX/2021 I got an email with the subject line : You can no longer do business with PayPal ( Ref ID - XXXX ). 

On XX/XX/2021, I made a call to PayPal Customer Service and asked the reason why my account got permanently limited. The representative said that she can't tell me the exact reason but it is due to insufficient/mismatch information that I provided. If so they should have asked for more or specific information rather than ending the +3 years relationship in a single go. 

I have been using PayPal for the past +3 years and the only change occurred was that I started receiving payment on behalf of my relative for an XXXX XXXX account. 

I am stuck in my native country due to COVID-19 SOP 's and doing the business from here. 

no explanation, no resolution to fix the permanent limitation they placed on my account. How is that even fair that they are holding my 7k+ funds till 180 days. I need to pay my employees and suppliers. 

I am happy to make changes in my business model if I only get some specific information about what triggers PayPal to limit my account permanently. 
Either I need my account to be restored or I need my funds to be released ASAP! 

Waiting for the timely response.

Company response to consumer: Closed with explanation