BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-23
Company: Block, Inc.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX and I am a square user with email address XXXX On XX/XX/XXXX, Square informed me that they could no longer continue processing payments for my business. 

They also informed me, in the same email, that deposits would be suspended and the release date and amount available for release were subject to change based on factors that include receiving additional chargebacks after the original notice of deactivation.

I know square Square is authorized to hold funds under sections 9, 12, 14, 19, and 36 of the Payment Terms.

In Section 12 specifically states, in pertinent part : We may defer payout or restrict access to your Proceeds if we need to conduct an investigation or resolve any pending dispute related to your use of the Services, or in accordance with our Terms.

b. Under Section 19 of the Payment Terms : ... if we reasonably believe that a Chargeback is likely with respect to any transaction, we may withhold the amount of the potential Chargeback from payments otherwise due to you until such time that ( a ) a Chargeback is assessed due to a customer complaint, in which case we will retain the funds, ( b ) the period of time under applicable law or regulation by which your customer may dispute that the transaction has expired, or ( c ) we determine that a Chargeback on the transaction will not occur. 


In my case, all the charges backs were completed and closed and the funds in my square account should be given to me because there is no additional since XXXX. 

As at the time writing this complaint, there are no chargebacks to determine that square has the right to put my funds on hold till this period.

Please note : I am not asking Square to still process payment for my business again. I am looking for the money that is in my square account. I am not asking Square to reactivate my account as I am not interested to use square again.

In the agreement of square with card networks, there is a stipulated time for disputes to be completed in which all disputes were completed in my account so there is no security concern attached to my case because I am not owing square. 

I need my money now to be made available for withdrawal. 

I have already complaint to square on the square website with case ID XXXX, but it seems the company has stolen my funds indefinitely because they always use the word " indefinitely ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: LA
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've previously Disputed 6 inquiries on my EQUIFAX Consumer Files. 1 they seemed to have removed. 2 I called XXXX to have removed. 3 still remain even after multiple faxes, letters and Identity theft verification for Deletion. 

They are in violation of 18 USC 1028a 1681n 1601 1681b2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Every time I try to transfer money to my other bank account which is linked to my Bank Of The West account I receive a error that I can't identified. This has been happening since I filled the first claim against them. Today I tried sending my daughter {$50.00} because she is out of state and is in need of the money today. I have been on hold for 3 hours waiting to have this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This creditor XXXX XXXX XXXX is reporting a fraudulent account, I did not do business with them and the data they are reporting is outdated and inaccurate. I sent out letters disputing their claims, but I did not receive any response from the bureaus.

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 2023-03-14
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My Heloc is I/O for 120 months, some months I pay over this I/O payment. XX/XX/XXXX the overage is applied to interest NOT PRINCIPLE! 
It's sporadically been happening from XX/XX/XXXX to current XX/XX/XXXX. 
I called them today XX/XX/XXXX and was told by customer service that there are no principal only payments made it will ALWAYS go to interest, even though it's above and beyond the interest only payment! This isn't right!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello, There is a Bankruptcy on my credit report that isn't mine. I believe it's fraud. I've disputed this item multiple times and they haven't removed. Per the 609 section & regulation they need to send me a copy of my signature and the originial contract. I haven't received the person they talked to or anything. I need this removed asap. The case number is XXXX. This was filed with the XXXXXXXX XXXX of Bankruptcy. I wrote a letter to the court asking them to send me something in writing saying the did not report to the C/B, I have that as well.

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 2022-02-19
Company: GOLDMAN SACHS BANK USA
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 was in XXXX  training from XX/XX/XXXX to XX/XX/XXXX and I had no phone and was cut off from society and had no way of knowing or staying on top of these remarks or payments and am protected under SCRA law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-04
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: Information belongs to someone else

Complaint:
There is a fraudulent inquiry on my TransUnion Credit Report, from XXXX- Inquiry Date : XX/XX/2023. I have attached a letter from the credit, showing that this inquiry should be removed effective immediately. Please accept this official letter as evidence to remove this fraudulent inquiry from XXXX XXXX Date : XX/XX/2023.

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 2022-11-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I know this dispute seems to be a duplication as you say but the reason, I'm address this issue again is because each party failed to resolve my issues. I know my rights when it comes to my credit report, and I have addressed my issues with Experian multiple of times because they won't make the necessary changes to my credit file upon my request and concerns now causing my future endeavors to suffer and be delayed as of now. This can result in a lawsuit. Again, Experian failed to act and to properly comprehend upon my pervious request, I requested the deletion of XXXX accounts on my consumer credit profile for privacy propose. This dispute is based upon my privacy not accuracy I have the right by Law to choose what I want to report on my credit file and what I choose not to share on my credit file for privacy proposes, 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 Names : XXXX XXXX XXXX XXXX Account Number : XXXX Complaint : Has Violated My Rights Account Names : XXXX XXXX Account Number : XXXX Complaint : Has Violated My Rights Account 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 an 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 explanation
Consumer complaint received 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 am writing to submit a formal complaint against TransUnion in relation to inaccurate information on my credit report. On XX/XX/XXXX, I contacted TransUnion to dispute certain information that I believe to be erroneous. As of the current date, I have not received any response or resolution from TransUnion. The following are the details of the disputed accounts and the required corrections : 1. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$800.00} The account with XXXX is not mine, and I request TransUnion to remove it from my credit report immediately. 


XXXX. Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$8800.00} The account with XXXX  is not mine, and I request TransUnion to remove it from my credit report immediately. 


XXXX. Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8800.00} Original Creditor : XXXX The account with XXXX  is not mine, and I request TransUnion to remove it from my credit report immediately. 


XXXX. Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$720.00} Original Creditor : XXXX  The account with XXXX  is not mine, and I request TransUnion to remove it from my credit report immediately. 


XXXX. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$8400.00} The account with XXXX XXXX was never late, and I insist that TransUnion immediately removes the late payment status associated with this account from my credit report.

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 2022-02-19
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX / XXXX / {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX / {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX / XXXX / {$9500.00} XXXX XXXX XXXX XXXX XXXX / XXXX / {$800.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX / XXXX / {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the adate on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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, consumer, XXXX XXXX received a alert from XXXX XXXX on XX/XX/XXXX in regards to a closed account. Capital one closed my account with a balance although the balance was paid in full. I sent my payment via certified mail and they received it on XX/XX/XXXX at XXXX. I spoke with a representative on XX/XX/XXXX and she stated that they will do a investigation on a lost payment. I never received a call back or anything in the mail in regards to the investigation being closed. There is no third party involved so this is me, the consumer, telling you for a fact that the payment was received by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 received a copy of my credit report and found some serious violations of the FCRA. It is illegal for the original creditor which is XXXX XXXX XXXX XXXX to Re-age a negative account that has been closed for years!!! This Account has been re-aged from the original first last date of delinquency and closed date!!! This account was closed and reopened without any consent or notified to me. This a serious matter and violation of the Fair Credit Reporting Act. I'm not playing with this erroneous errors on my credit report and will not allow you to violate my rights as a consumer. I am also filing a complaint with the Federal Trade Commission. XXXX Account XXXX : XXXX Please delete and remove from my credit report immediately. 

In addition. Every bureau is reporting a different date of last activity for this account. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Every bureau is reporting a different date of last activity for this account. 
XXXX Account Number : XXXX Please remove it from my credit report. 
4. Every bureau is reporting a different date of last activity for this account. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

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 2022-02-18
Company: CITIBANK, N.A.
State: NH
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 balance transfer

Complaint:
I opened up a credit card and gave them the information on my other credit card to do a balance transfer, 0 % until XX/XX/2023 and they transferred it to a savings account # XXXX that did not have a balance on it. I was not aware there was a XXXX on my savings account. There was no letter giving to me by the State or my financial institution that was supposed to be sent out about this XXXX. I was opening the new card up to pay another credit card. I am now paying for 2 payments and plus a balance transfer fee of XXXX, when it was not sent to my credit card # XXXX because there was no CC account number on the check sent in to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the year XXXX, I had called a few health care providers for a new patient consultation requesting a quote. Due to Covid most facilities were offering telehealth. But since it was new way of seeing patients, most office staffs were not sure about the insurance co-pay and out of pocket deductible. Some offices took my insurance information on phone along with my personal information for securing an appointment and let me know that the co-pay would be {$25.00}. Following which I called my insurance to double check if that is correct. They said its incorrect. I was actually responsible for 80 % of all expenses upfront and they will pay the remaining 20 %. When I learned that, I called and cancelled my appointments. After that in XXXX, I learnt that Carter and Young a debt collection agency has reported my account in collections for a debt of {$170.00}. When they called me first in XXXX I had immediately denied the charges on phone from day 1, but they continue to pursue it. Later after almost a year, my credit was pulled for applying for a home loan and I noticed this debt is still there. I wrote to all three credit bureau ( via registered postal mail ) and Carter and young as well to provide me with a detailed itemized bill of all charges resulting in the debt of {$170.00}. They have failed to do so. XXXX and XXXX has removed/deleted this debt but XXXX refuses to delete it, and is unable to provide me with a detailed bill/invoice/transaction detail of the debt. Not only that, I wish to notify that I am scared to speak with Carter and Young because they speak in a very non-forgiving and threatening tone almost like how a goon would demand money without validating or justifying a debt. I am scared that they are capable of far more worse. 
My humble request to CFPB, please kindly provide me with a detailed bill or itemized invoice resulting in this debt, or kindly delete this from my account. I want to live debt free and fearless not worrying about what more worse can happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX 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 .... Balance {$1000.00} ; Collection Associates Original Creditor : XXXX XXXX # # # # # XXXX XXXX Balance : {$80000.00} ; XXXX XXXX XXXX .... Balance : {$200.00} ; XXXX XXXX XXXX .... Balance : {$63.00} ; XXXX XX/XX/XXXX ; 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.

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