BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-10
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
There are two collection agencies involved here. The XXXX XXXX XXXX XXXX XXXX-Collections and Transworld Systems Inc. 
Debt Amount was {$3500.00} original delq. date.XX/XX/XXXX At that time that agency tried to get me to agreement voluntary repayment with a signature for XXXX XXXX. I refused, I don't own them anything the bill The Transworld System Inc. treated me to pay the all with interest. I didn't give them or do business with them. I own them nothing, I don't own this agency nothing. They used the same logo that fall under the XXXX XXXX XXXX XXXX XXXX. 
U.S. DEPARTMENT OF THE TREASURY, BUREAU OF THE FISCAL SERVICE SET THIS BILL AS A SET OFF ON MY SOCIAL SECURITY ADMINISTRATION. TOP  trace, non-tax Federal Debt. I must pay you in anything other than appropriate commercial paper should the debt be proven valid because to my knowledge, the U.S. congress provided the appropriate solution for me to settle my debt via the remedy in House Joint Resolution ( HJR ) 192 of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Item # Reason for Deletion Chapter XXXX XXXX My name is XXXX XXXX, and I am writing you because an entry appears of my credit report which states that I filed bankruptcy. Could you please explain to me how this might occur? From my understanding only the last four digits of an debtors social security number are released to third parties, pursuant to the Federal Rules of Bankruptcy Procedure. However it shows that my social is listed with these third parties on a Bankruptcy that is not mines and not my name but a name close to mines. Also, it is to my understanding from The United States Bankruptcy court for the XXXX District of Missouri that information is not provided to any credit bureaus ; therefore I do not understand how this was properly verified as accurate. Please advise on how you verified this information to have it listed on my credit report as accurate and true to be my filing. 

Chapter XXXX XXXX Same as stated above

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 2019-03-27
Company: EQUIFAX, INC.
State: PA
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:
For 18 months Equifax has refused me online access to my credit report. I have faxed documents proving who I am and my address and they keep saying they never got them. The last Time I faxed was 30 days ago. There is information on my report that should not be there due to age or a release was signed. 
I have called customer service and they tell me they cant help me unless I am a paying member. They are rude and condescending and speak broken English because they are in a call center in XXXX. 
I am unable to obtain a mortgage because they will not allow me to access my report and dispute what needs to be disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Block, Inc.
State: TX
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:
Today XX/XX/2023 I communicated with a self owned company about doing the decor and organizing my sons birthday party this weekend. She advised of the total cost for the service and provided me the phone number to send her the money. I used cash app to send the money {$140.00} and once completed I sent her a screenshot of the payment showing completed. She advised me she had not received the money. I looked in to my cash app and realized the number was on digit off and had sent to the wrong person and immeditely requested a refund through the app and reached out to support via chat. The support rep advised that the only solution was for me to request a refund from the person. I had already done that. I used the number that the money was sent to in error and did a search on XXXX with the number and it was linked to a woman so I messaged her and explained that the payment was sent in error. She advised she tried to refund the money but it was not allowing her to. She sent me a screenshot that she had reached out to cash app support to request assistance with providing me a refund and asked me to call cash app which i did. The rep on the phone told me that there was nothing they could do. I advised the rep that the person that mistakenly received the money had reached out to cash app for assistance with the refund and that in itself should be enough for them to issue a refund or reverse the payment. She told me she could not. The other person even advised that no bank account is linked to her cash app so the funds have not been taken out of her cash app account and should be able to be refunded. I am now out {$140.00} and have no way to pay for services for my XXXX XXXX XXXX party. I will never use cash app for this reason ever again. Because the transaction has not posted i would think it should be easy or that something can be done on their end to refund the money especially since the other person reached out and requested assitance in refunding me the money. I made cash app aware of this issue within 5 minutes of it happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I used my debit card fine to purchase lunch today went back to work, finished my shift. Went to get a hair cut and my card was declined after I had received the hair cut. Called Fifth Third Bank and they were very secretive and asked me a ton of verifying questions. Not normal. I explained my car was declined and asked why cause I know I had at least {$900.00} in my checking account. They could not tell me anything. The team that suspended my account had gone home for the day and it was only XXXX EST. They couldn't do anything to help me or help me understand what was going on. I'm left here with no money and no reasoning to even give this business why I can't pay for the service they just gave me which is beyond embarrassing. You'd think a bank that you give your money to and trust would at least give you some sort of notice like a text, email or phone call before making a change like this. Also to maybe call me before making this change and work out whatever the issue is rather than turn it off and then go home for the day. This is beyond stressful as I can only hope this doesn't last more than a day otherwise how am I supposed to pay my bills. I have all my money in that checking account and my direct deposit goes there. My rent comes out next week. Lost all trust here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: Block, Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Cashapp has been useless since XXXX I have tried contacting their customer support for help with charge backs from a gambling sight that i wasn't made aware was illegal and per my states law I can legally get that money back. XXXX was sued by the state of Kentucky and was supposed to notify me of this as well as update their platform. Finally in XXXX XXXX  MONTHS AFTER STRUGGLING TO INDIVIDUALLY DO A DISPUTE FOR OVER 500 TRANSACTIONS AFTER BEIN TOLD BY XXXX XXXX they can't do it a lovely agent helped and filed all 500+ disputes. Cashapp denied XXXX of them because " 60 days had passed '' I have been trying to dispute these charges for over 3 months! They are constantly allowing merchants to double hit my account, even after I've blocked them. I want my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Innovis
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:
CBCINNOVIS has placed a credit inquiry on my credit file on XX/XX/XXXX that was never authorize by me. I have called them to inquire about this and they referred me to a company call Guaranteed Rate. I have contacted Guaranteed Rate via email at XXXX on XX/XX/XXXX at XXXX and spoke with a representative by the name of XXXX XXXX . In like manner, I contacted them via phone calls on XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX. During my phone calls I was transferred to account manager Mr. XXXX XXXX who told me that he submitted a correction for the reversal of the inquiry to be made since it was made by mistake and that he was going to submit the correction to the credit bureaus XXXX, XXXX, XXXX, and CBCINNOVIS but the credit bureaus day they never received anything from him. 

In addition, I have affected by this error greatly by my credit score dropping from XXXX to XXXX that day alone. Before this, I had been working really hard to keep my score increasing to XXXX by paying my bills on time and removing other accounts that never belonged to me which hasnt been an easy process. It is unfair and a violation of my consumer rights what CBCINNOVIS has done along with Guaranteed Rate. Please assist me in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: Block, Inc.
State: CO
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:
On XX/XX/2023 I made a purchase with a company called XXXX, they are a web base business that claims to be able to network unlock your phone to use on any carrier for service. I paid the XXXX the process and immediately their service came up with a message saying Error can not unlock! The company stated that the phone would have to request a code at startup and claimed mine did not have that feature and gave me 1 free unlock in the future for my use. I told them I didn't want the credit and in fact my phone did indeed request a code at startup. We never reached a resolution so I disputed the transaction with cash app. Within 5 minutes cash app denied my dispute, I requested additional documentation and they have refused to comply

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I am at my wit 's end with this incompetent company. This is one of many complaints lodged against Ally. 

The gist of this one is that I paid off a summons that was related to my previous lease of a vehicle with Ally. I was on the phone with ALLY WHEN I PAID IT OFF AND RECEIVED WRITTEN CONFIRMATION THAT THE MATTER HAD BEEN SETTLED ON XX/XX/2022. SUMMONS # XXXX, XXXX Today in the mail, I receive a letter dated XX/XX/2022 referring to the same summons ( but associated with XXXX, when the toll authority was in Pennsylvania ) XXXX It was basically gibberish saying I hadn't paid it and that they paid XXXX of all places and it MADE NO SENSE, but referred to the same amount {$18.00} and the same summons # XXXX, XXXX. 

I can not deal with this nonsense. The company has horrible record-keeping, and I do not want to be on the hook for something I do not owe, and they seem to be unable to keep anything straight and communicate in a reasonable or coherent fashion. THEY ARE NEGLIGENT and CARELESS. All my issues with them deal with NEGLIGENCE IN RECORD-KEEPING. I've had enough, and want to move on with my life. Please make them stop bothering me with their idiocy.

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 2023-05-12
Company: Experian Information Solutions Inc.
State: NY
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 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 explanation
Consumer complaint received 2019-07-25
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
Filed a dispute with an old credit card that has been paid in full. Asked XXXX XXXX to investigate and verify the account. The account still shows charge off and also derogatory on my credit profile. The creditor agreed after payment to remove from all three credit bureaus. Which was a lie. The payment history is showing unknown therefore it is an unverified account reporting to my credit.

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 2023-09-30
Company: EQUIFAX, INC.
State: MI
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:
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 XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-17
Company: United PanAm Financial Corp.
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:
I have credit protection but it wasnt activated after I lost my job XXXX XXXX XXXX  was supposedly to activate I called in and nothing credit protection is sto protect your credit score According with the fair curtain reporting act This creditor has violated my rights under 15 usc 1681 Section 602 states I have the right to privacy 15 usc 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions Under 15 USC 1666B a creditor may not treat be a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
This is a follow up to an earlier complaint that I posted today. I just called Synchrony Bank and they told me that my minimum payment per month has been raised from {$30.00} to {$80.00}, because of the accrued interest fees. Given that I have been filing complaints against their company for the past few months, they shouldn't be charging late fees or interest charges at all until the issues with my disputed transactions have been resolved. Their policy states that they don't charge interest or fees for amounts that are in dispute, so by charging me interest on my total bill, they are violating their own rules. They have also been charging me late fees for missing the payments of XXXX and XXXX. These fees may be the reason why my bill is so high. During my phone call, the call was disconnected in the middle of my conversation with the representative. I am positive at this point that Synchrony Bank 's phone moderators are disconnecting my calls with their representatives on purpose. This happens way too often, and the phone I am using is brand new. On so many occasions when I call them, the calls get disconnected. I have no doubt that their phone moderators are doing this on purpose.

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 2018-09-10
Company: World Acceptance Corporation
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: Public record information inaccurate

Complaint:
World finance in XXXX ga. Is reporting a chapter XXXX bankruptcy on top of a charge off that states closed. I have disputed 3 times in the last 5 months. They go in take the comments off then the following month add them back on. They have my credit looking like I've just filed bankrupt in the past month and it will be 7 years in XX/XX/2019 that I've filed. They are causing my score to drop by 26 points at a time by adding one comment about the bankrupt. I understand I filed bankrupt on them 7 years ago but they are doing more damage to my credit report today than actually filing the bankrupt. It has been an ongoing battle for 5 months with them adding and removing comments. I call XXXX and do a dispute they remove the comments then the following month they are back on there, How can I build my credit when every other month this same company is knocking it down by at least 26 points. I have called XXXX and done disputes, filed several disputes on line and I can not seem to get it corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: BARCLAYS BANK DELAWARE
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: Problem with rewards from credit card

Complaint:
In XX/XX/XXXX, I applied and granted a XXXX credit card co-branded by Barclays Bank Delaware and XXXX XXXX XXXX. I was promised 30,000 bonus points after a minimum spending within the first few months and some more points for every dollar transferred. I never received the bonus points and all subsequent points from the credit card spending to my XXXX XXXX  reward account. I provided my XXXX hotel reward account number during the online application. When I called Barclays, the agents forwarded my call to Choice Hotels to fix the problem, and similarly Choice Hotel agents forwarded my call back to Barclays to fix it. Basically, someone didn't assign my Choice reward account number correctly to my credit card, so I could never receive the points. Both Barclays and XXXX failed to resolve the issue. I closed my credit card account on XX/XX/XXXX with XXXX points allegedly already sent to my XXXX  XXXX. The total points ' monetary value is {$200.00}. I suspect I'm not the only victim of this 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 2019-07-25
Company: EQUIFAX, INC.
State: NV
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 have multiple credit card accounts open with XXXXl XXXX in good standing for nearly 5 years. In XXXX of 2018, there was an error in the app and the payment I made toward one credit card, the oldest I have with them, was not received. I was never notified by XXXX XXXX that the account was delinquent, otherwise I would have rectified the problem immediately. You could clearly see in my credit file that for years I have made thousands of dollars in payments monthly and have never been late. Why would I have been 30+ days late on a {$25.00} payment? I tried asking XXXX  XXXX for goodwill removal of this after it was actually partially their fault for never notifying me and also for their app not allowing my payment to go through. They denied help over the phone multiple times over multiple times and I wrote formal letters to XXXX XXXX @ XXXX XXXX XXXX in XXXX XXXX XXXX and never even received a response. I recently asked for verification from the credit bureaus and XXXX XXXX even furnished completely erroneous information on the late payment, stating to the bureaus it was late in XXXX, when it actually was XXXX, further negatively affecting my credit score as showing the late had been more recent than it was. I just simply would like XXXX XXXX to appreciate a customer who has never stiffed them on principal or interest and  have even referred people to their bank. Now they are treating their good customer like a criminal and affecting a 6-figure earner into barely even being able to get a decent rate or account anywhere because of this negative activity on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: DIRECMANAGEMENT, INC.
State: AL
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:
Contacted this company which I have not entered into any busineess or contract with and disputed the validity of the debt after seeing the credit report, also the company has not sent any contract or supporting documents.

Company response to consumer: Closed with explanation