BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-20
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: Reporting company used your report improperly

Complaint:
I am a natural person, I am living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX XXXX XXXX ( Inquiry ) - XXXX XXXX XXXX XXXX XXXXXXXX ( Inquiry ) - XXXX XXXX XXXX XXXX XXXXXXXX ( Inquiry ) - XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Inquiry ) - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Inquiry ) - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Inquiry ) - XX/XX/2021 XXXX XXXXXXXX XXXX XXXXXXXX ( Inquiry ) - XX/XX/2021 XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX I deposited a payroll check onto the USAA mobile app, and all messages stated funds available immediately but once deposited the funds were placed on hold until XXXX. When reaching customer service and trying for over 5 hours to resolve it, they claimed they could not access banking system, and we're unable to find a reason why the funds were placed on hold or why no notice was given. They will not let me take the deposit to another bank and are forcing me to deposit with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Silver Business Checking account with U.S. Bank on XX/XX/XXXX with promo code XXXX. 

The terms of this offer state that : - An individual signer on the new checking account must be enrolled in U.S. Bank online banking or the U.S. Bank Mobile App using their business profile within 60 days of account opening. 
- Earn your {$500.00} Business Checking bonus by opening a new U.S. Bank Silver, Gold, Gold with Interest or Platinum Business Checking account between XX/XX/XXXX and XX/XX/XXXX. You must make new deposit ( s ) of at least {$5000.00} in new money deposits ( Direct Deposits, ATM/Branch Deposits, Mobile Check Deposit, ACH or Wires ) within 30 days of account opening and thereafter maintain a balance of at least {$5000.00} until the 60th day after account opening. 

I enrolled in U.S. Bank online and mobile banking, and I deposited {$5000.00} shortly after setting up my account. 

I have satisfied all parts of the bonus ( confirmed on a call with U.S. Bank on XX/XX/XXXX ). The U.S. Bank representative opened a case and stated a 2 business day response time, but I have not heard back. 

Therefore, I am escalating the CFPB.

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 2021-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX reported a business account late on my personal credit. I was not aware that any amount of money was owed on this Business credit card. My office has been closed since XX/XX/2020 due to the pandemic! I take pride in my credit and have NEVER paid any account late. This particular card is not used often and once the last payment was mailed XX/XX/2020 i thought the card had a {$0.00} balance. I just received notification from XXXX to say check my account because a notice was sent regarding them closing my account for none payment. That same day i paid the account in full and asked to speak with a manager regarding the 30 day late payment.

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2022-12-17
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Good day, I sent the payment of {$700.00} through online bill pay from XXXX XXXX and the payment was sent on XX/XX/XXXX to XXXX XXXX. However ; the problem was the card number in online bill pay setting was the account number XXXX that was closed ( formerly owned by XXXX XXXX XXXX, which transferred to citi in XXXX ). I didn't mean to pay to that account but since i set up online bill pay years ago, in my mind, i thought i was paying to my current XXXX XXXX account which is XXXX XXXX XXXX said call Citi, and citi said call XXXX XXXX. Citi said since XXXX  years ago, they can no longer check former XXXX XXXX XXXX accounts. XXXX XXXX said they can no longer check any XXXX account formerly by XXXX XXXX. In early XXXX, I went to the XXXX XXXX, i spoke with many different representatives from both XXXX XXXX and XXXX Citi Cards including supervisors, and opened disputes. All disputes were closed without any resolution. Both financial institutions pointing at each other to contact. Then I spoke with XXXX XXXX dispute department the person name XXXX XXXX, he said he saw the payment came through XX/XX/XXXX at XXXX XXXX but since the account credited was closed, he can not touch it. He opened the dispute for me. He was very helpful ; however, i got the letter dated XX/XX/XXXX stated it will return to originator. So, i asked a representative and Supervisor name XXXX if this will return to me. They both said yes, it will return to my bank. On XX/XX/XXXX, I sent a copy of the letter from XXXX XXXX stating the payment of {$700.00} will be returned to originator and if they received any return payment. They responded stating no. So, i called XXXX XXXX again and XXXX representative was very impatient with me stating i have to have my financial institution ( XXXX XXXX ) send in writing to return the payment. Another representative said i have to contact Citi bank. I am being circled around and meawhile {$700.00} is lost and XXXX XXXX can not retract it, can not recall payment, XXXX XXXX can not and stating call Citi and Citi said call XXXX XXXX. I would like to get assistance to get my money back please. The case is not complicated but confusing. Please let me know if you have any questions, i may be able to explain better. I have been frustrated mentally. Please help me.

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 2019-07-09
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello CFPB, I would like to file a complaint against PayPal for first freezing access to my funds ( {$1700.00} ) in my PayPal Business account. While I am still able to keep receiving payments, I am unable to withdraw or utilize the funds received, secondly any new money being received when sales occur on my XXXX XXXX XXXX, it is also being blocked which currently has a balance of {$2800.00} and climbing, so all together the amount I have frozen currently stands at {$4600.00} and climbing. 

I received an email from PayPal and in looking for the referenced Case XXXX and NOT finding it in Pacer which is a government website that offers Public Access to Court Electronic Records in all the US, ( https : //www.pacer.gov/login.html ) leads me to believe this case if a scam or fraudulent, and that perhaps PayPal was tricked into taking action on my account without verifying the case number was real or doing any due diligence. Because of these freezes from PayPal, I am currently unable to pay my creditors ; I contacted PayPal on the matter of which they had NO information on EXCEPT to reference back to the message and contact XXXX XXXX XXXX, XXXX at XXXX. I have both emailed and called XXXX XXXX XXXX, XXXX and spoke to their secretary and left messages for their attorneys to call me back and have heard nothing back, meanwhile my bills continue to go unpaid. 

I also received a strange message on my XXXX messages guiding me towards representation and I noticed that the message was sent to me from an XXXX account that was created the SAME day it was send XX/XX/2019, increasing the likelihood that it is a SCAM or Fraudulent. 

Below is the Law firm that is supposedly handling the case is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX attorney in XXXX, Pennsylvania XXXX XXXX XXXX XXXX, Pennsylvania XXXX Phone : ( XXXX ) XXXX XXXX Fax : ( XXXX ) XXXX XXXX Email : XXXX Website : XXXX : XXXX XXXX : U.S. District Court for the Western District of Pennsylvania Plaintiff : XXXX Court Case Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXl. ; Case XXXX I really need some help with this matter and I feel like I am getting nowhere myself and need your help to stop this abuse on my PayPal Business funds. Thank you and I look forward to your guidance and assistance. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: EQUIFAX, INC.
State: AZ
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:
The following account listed on my Equifax credit report is fraudulent, unauthorized and not mine : XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Good day Sir/Madam, I am writing to make a complaint about a failed wire transaction that has been on going since XXXX 
This transaction was done in person at TD bank branch num XXXX. The sum of {$65000.00} was transferred from my business account ( XXXX XXXX XXXX ) to XXXX XXXX XXXX ( XXXX ). The beneficiary did not receive the funds at the stipulated time which was suppose to be within 7 working days. 


On XXXX I went to inquire at Td bank branch about the delay. A bank representative A confirmed to me that the funds had been reversed and that I will get the value back into my business account within 3-5 business days. 


Today XXXX I spoke with customer service XXXX that refund time as elapsed. I was told again to wait till XXXX  before the reverser is completed. 

Am requesting for your intervention in this matter as my business is in distress because of this delays. I look forward to your kind response. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29
Company: Upgrade, Inc.
State: AR
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:
After checking a copy of my consumer report, I noticed a clear violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
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. 

( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


THE IRS CLEARLY DEFINES A CHARGE-OFF AS GROSS OR ORDINARY INCOME, DOES NOT GET REPORTED OR FURNISHED ON THE CONSUMER REPORT. INCOME DOES NOT GET REPORTED OR FURNISHED ON A CONSUMER REPORT BY DEFINITION. THE IRS CLEARLY SAYS A CANCELED DEBT OR CHARGE-OFF IS INCOME. THE REPORTING OF THIS ACCOUNT IS INACCURATE. 

IRS INSTRUCTIONS FOR DEBTOR. 

Instructions for Debtor You received this form because a federal government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more. If a creditor has discharged a debt you owed, you are required to include the discharged amount in your income, even if it is less than {$600.00}, on the Other income line of your Form 1040 or 1040-SR. However, you may not have to include all of the canceled debt in your income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: Affirm Holdings, Inc
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Affirm has claimed several accounts on my credit that I never made. I have tried to contact several times as well as dispute and XXXX  said they certified it which I have never seen. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: EQUIFAX, 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:
I found out about these fraudulent accounts and activites and inquiries when I just looked at my credit report on XX/XX/XXXX these accounts and inquiries are not mines back in XX/XX/XXXX I had lost my social security drives license and birth certificate and ever since I'm getting fraud XXXX account # that begins with XXXX with a negative balance of {$0.00} is fraud XXXX XXXX account # that begins with XXXX Balance with {$1300.00} is fraud XXXX XXXX XXXX account # that begins with XXXX Balance {$400.00} XXXX XXXX account ending XXXX is a fraudulent account Also fraudulent inquiries that are on my credit report I never authorized these inquiries XXXX XX/XX/XXXX. 
XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I spoke with a crypto.com representative about my inability to recieve my card I applied for and provided the proper documents and never heard anything back from your company..at the time I was in the process of moving and used my business address, I also sent the proper documents..now im at my new location and still have not received my XXXX XXXX card. My name is XXXX XXXX and my new address is XXXX XXXX XXXX XXXX CA.XXXX. Please fix my issues..

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 2020-11-30
Company: Prosper Marketplace, Inc.
State: CO
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:
Creditor - Prosper Personal Loans Cares Act Reporting - 30 days late reported XX/XX/XXXX Action - My loan account was placed on Cease and Desist, I did not ask them not to contact me or authorize this order. 

I currently have an installment loan with Prosper. As of XX/XX/XXXX I lost my second full time job because of lack of work due to the COVID 19 pandemic. The circumstances caused an overwhelming elevation of stress of covering two mortgages, utilities and other misc bills that had to be paid. 

In the past I had received reminders via email and phone calls ( on my cell XXXX ) from Prosper for upcoming payments. I grew more concerned because I realized I missed the due date. I confirmed my contact information with them during this particular call. The phone number they had on file for me was XXXX, I had this number 14 years prior. I asked why hadn't they called the number listed on my application or e-mail address? 

'Upon speaking with a Prosper representative and they said my account was on a Cease & Desist order. I explained I did not give them notice to cease or desist. They chose update my account status due to a rude representative I spoke with in XX/XX/XXXX or XX/XX/XXXX, unbeknownst to me. I did not ask for a Cease and Desist order. 

I asked them to remove that order and it is alright for them to contact me in the future. I also asked if there is anyway I can have the 30 day mark removed and I explained the circumstances that led to this occurrence. I then disputed with Prosper internally and gave my employer number to verify job loss and date. The employer used my vacation hours to exhaust the remaining PTO. 

I have since then cured the past due balance as they have been unwilling to help me this one time. I also hired a third party agency to intervene. I feel bad because I had never been 30 days late and this truly hurt me. As a consumer I due depend on the reminders and I understand I should have been more responsible. I was severely impacted and events leading up to the 44 % income loss made things almost unbearable. 

Prosper did not volunteer any forbearance opportunities, I had to ask if I could skip a payment and other options etc. They were not helpful during the initial Cares Act non-reporting period beginning on XXXX. And to date I believe my account status remains as DO NOT CALL.

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 2020-09-03
Company: Experian Information Solutions Inc.
State: TN
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:
The three credit bureaus are lying about verifying information with creditors.

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 2023-01-08
Company: EQUIFAX, INC.
State: UT
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:
DO NOT CLOSE THIS COMPLAINT. This is a legitimate complaint made by me not a third party company. I was the victim of identity theft, they got medical care and used my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Affirm Holdings, Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I made a purchase from XXXX using Affirm for {$5000.00}, with a monthly payment of {$410.00} in XXXX of XXXX. 

Around XXXX I logged into the account with the intention of paying it off in full. However, when I logged in I noticed a credit card and purchase associated with my account/phone number that was not mine. I contact Affirm and filed a fraud/dispute claim. I was told that I would be contacted in 5-7 business days. I was never contacted. But they continue to withdraw {$410.00} from my account every month. 

In the months since I have repeatedly tried to log into my account both through the phone app and online. After numerous ( successful ) two-factor authentications, I am notified that I am locked out of my account. I call Affirm, and each time, after a very long hold time, being disconnected at least once, and going through it all again, I reach a person that will " notate my account '' and I am told that I will be contacted in 5-7 business days. I just got off the phone with them again. XX/XX/XXXX. It is still not resolved, I still can not log into my account. The fraud/disputed purchases are still associated with my account... nine months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Kriya Capital, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence Resource Management r eported to the credit bureaus incorrect information about a debt I know nothing about and does no owe. I was made aware of this when I checked my credit report and noticed a submission that was made   XXXX  2017   . I called Credence to report the error and my report remained unchanged despite the fact that the information reported is false.

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