BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: Block, Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Every week money is deposited to my cash app account from my job. The perks of cash app was that i could lock my card to prevent transactions from transpiring without my consent. Anytime money is spent using my card, cash app updates the total immediately to deduct the money and sends notifications. The deducted total says pending until the merchant fully accepts the purchase. Lately Ive been ordering things from XXXX using my cash app card randomly Ive been getting notifications that my totals have been updated to different amounts from purchases two or three months ago that was deducted twice in one case three times. I called cash app their excuse was that they had technical issues which is a lie. Every time Ive made purchases my balance is deducted. To be certain I wasnt tripping I searched cash app, stealing money from people on XXXX and XXXX. I found many people having the same issue where money is deducted two or three times from their accounts with no evidence to why. When they reached out to support, they received the same answer as me that there was a technical issue that occurred between XX/XX/XXXX and XXXX XXXX. I did my part in trying to dispute my transactions but i just need my finances back i was charged three times for a transaction on XX/XX/2023 {$210.00} then {$170.00} then {$210.00} every time i was charged the amounts were deducted from my funds in my cash app  account. Then on XXXX XXXX i was charged {$360.00} for a transaction that occurred XXXX XXXX months ago so i was charged twice once when i originally made the purchase and again on XXXX XXXX which was almost my whole check so due to them taking my money i cant get to work or pay my bills. Please not that the screenshot of the XXXX transaction with the tires there was a reward balance taken off the displayed balance i paid the difference which was {$360.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Westlake Services, LLC
State: NC
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 have filed a dispute in regards to the inquiries on my credit report that i do not recognize nor did i authorized. It has been well over 30 days and i haven't received any investigation results.

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 2022-12-28
Company: Experian Information Solutions 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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$600.00}

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 2022-12-05
Company: EQUIFAX, INC.
State: WI
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:
My car was stolen back in 2021 I filed police report and I had my wallet bag and laptop in the car with my personal information inside also there was a security breach with equal equafax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/XXXX and XXXX, XXXX  and again it was closed immediately. It was marked as no further action but I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: URS Holding, LLC
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I got this loan in XX/XX/XXXX and I am being contacted by a debt collector being Alltran Education Inc., I informed them that I will pay my loan balance of {$4200.00} but they are refusing to accept that amount and instead are trying to collect {$13000.00}. They have also placed me under garnishment and has taken my XX/XX/XXXX tax return which was about {$1200.00} but the balance was not reduced. I have contacted them to requested a settlement and that the garnishment be removed and they are refusing and offering me a payment of {$400.00} per month for 10 years. This debt is more than 20 years old and at this point I want the garnishment removed and the debt to be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I reported identity theft on this account back in XX/XX/22 the card was issued thru choice rewards not Wells Fargo at the time I open the account, I was waiting on the resolution for my account I stop receiving information I was never given information about my account weather the issue was resolved or not nor that my account was sold to Wells Fargo nobody ever contacted me. Now its closed for non 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 2022-04-20
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting of misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: VA
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 have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
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: Their investigation did not fix an error on your report

Complaint:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$1800.00}, XXXX XXXX XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$13000.00}. Inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is a continuing complaint from my Complaint No. XXXX. I NEED MY EMAIL ADDRESS UPDATED TO MY NEW EMAIL ADDRESS XXXX ... ... ... ... This was my previous message : I tried to update my email address. But the TransUnion website instructions stated it can be easily change by going to my profile, but it didn't work. It does not allow for change/update. The button is greyed out even though I was able to type in my new email address. Furthermore, I called yesterday and was left on hold for over 45+ minutes with no one answering. Then I tried to use their website instruction on the " Chat '' service by click the button at the lower right-hand corner ... ..well there was no button there. So I resorted using the Messenger Chat hoping that someone can help. The chat stated I was connected to " XXXX ''. I stated my issues and asked if " are you there ''. And after 20+ minutes, there was no response. What does it take to change a simple email address with TransUnion? Sincerely, XXXX XXXX ... ... ... ... ... ... ... .... 
The response back from TransUnion was : We have reviewed your complaint along with the information you previously provided regarding this issue. Due to a system issue, your credit report was previously unavailable online ; however, the issue has been resolved. Please be advised, you are still eligible for a FACT ACT consumer disclosure and you may attempt another online request. In order to protect your privacy, we have mailed a copy of your TransUnion credit report to the current address we have on file for you. You can expect to receive it in approximately 7 business days. If you have any additional questions, please do not hesitate to call our Customer Service call center toll-free at ( XXXX ) XXXX, Monday-Friday, XXXX XXXX XXXX XXXX XXXX XXXX or Saturday-Sunday, XXXX XXXX XXXX XXXX XXXX XXXX. For more information please visit our Frequently Asked Questions page at www.transunion.com/consumerfaqs. MY RESPONSE NOW : I DON'T WANT A CREDIT REPORT. I WANT MY PROFILE EMAIL ADDRESS CHANGE ......

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 2023-07-20
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
i applied for an XXXX dollar personal expense loan with navy federal credit union yesterday ( XX/XX/18 ) and today it was denied. so i did an appeal and the appeal was denied. but i asked the rep to notate that i wanted them to repull my credit for the appeal but they never did. i know because i get alerts when my XXXX  is pulled. they pull XXXX  for personal loans but this time they didnt bother pulling my credit. they are bad for business. at the end of this month i am closing my accounts and no longer doing business with them. i am going to report them to the department of justice soon

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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 am writing this letter on my own behalf. Upon reviewing my credit reports and gaining knowledge of relevant laws, I have come to the realization that both your agency and the collection agency are in violation of 15 U.S. Code 1681a ( 3 ), which pertains to the restriction on sharing medical information. According to this code, the exceptions mentioned in paragraph ( 2 ) do not apply when it comes to disclosing information to any person who is related by common ownership or affiliated by corporate control.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
USAA is holding funds of my paychecks from my employer and will not tell my why. I deposited the first paycheck, they froze most of, via USAA 's mobile app on Friday XX/XX/2020. On Saturday XX/XX/2020 I attempted to withdraw {$400.00} to pay some of my bills and the ATM said USAA declined the transaction. I called USAA to figure out the problem. The rep told me the funds are on hold and could not give me a specific reason as to why they're on hold. This is approximately the 16th check I've deposited from my employer. No check I have ever deposited with USAA has bounce and none have ever had funds on hold. I called back Tuesday XX/XX/2020 to demand the release of my funds as I had emergency vehicle situation. On XX/XX/2020, I filed a complaint with the XXXX XXXX XXXX, complaint attached. USAA has been shamefully unaccommodating and giving me the run around for over a month now. This is completely unacceptable. I have bills and have lost money in fines, fees and predatory interest via payday loans to cover my expenses for the week hold USAA has place on over half the funds of all checks since XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Self Financial Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Fees or costs during the application process

Complaint:
BBB On XX/XX/XXXX I spoke to XXXX XXXX with Chase Home Finance about refinancing my home loan with the purpose of removing another individual on my current loan. During our discussion XXXX XXXX stated that a deposit of {$500.00} would be necessary to cover refinance and appraisal costs. I agreed to the fee. After a week of working with several financial advisors and title broker, XXXX XXXX, I was told that I would not be able to refinance unless I located the individual on my loan. After numerous calls the XXXX XXXX, the XXXX XXXX, and myself could not reach the individual on my account/loan so I was not able to complete the refinance. On XX/XX/XXXX I emailed XXXX XXXX reference a refund of my {$500.00} because I was unable to complete the refinance. On XX/XX/XXXX I spoke to XXXX XXXX Sheets, Chase XXXX about a refund of my money. I was told that I would be notified on XX/XX/XXXX, XXXX and XXXX XXXX about the status of my deposit. I have not received a status on the refund of my deposit as of XX/XX/XXXX. Chase did not provide any services for me related to the refinance because the refinance process was not completed. I feel that I should be entitled to my deposit which was paid with the understanding that the money was to be used for closing and title issues for the refinance which did not occur. On XXXX XX/XX/XXXX I was told that my deposit would not be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Genesis FS Card Services, 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: Account status incorrect

Complaint:
CB Indigo has fraudulently added a collections charged off on my credit report for a card that I never used or received and did not want because of an annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On about XX/XX/XXXX I receive documents from XXXX XXXX. It was a total of ( XXXX ) pages out of those pages ( XXXX ) was repetitive junk pages!!!. The XXXX pages that was left was the Payment History for year XXXX thru XXXX. I don't know why they chose those years specifically. XX/XX/XXXX XXXX XXXX XXXX for ( - {$10000.00} ) was subtracted from this Loan. This transaction was posted for XX/XX/XXXX. The Misapplication Reversal - {$1400.00} date XX/XX/XXXX, posted XX/XX/XXXX. XXXX XXXX XXXX on XX/XX/XXXX for ( {$10000.00} ) was added back to the Account. There was ( XXXX ) transaction took place in XXXX. There was ( XXXX ) transaction in XXXX. Misapplication Reversal ( {$7000.00} ) Hazard Insurance ( - {$2600.00} ). In XXXX Misapplication Reversal ( - {$5900.00} ) Hazard Insuranc ( - {$4400.00} ) Misapplication XXXX Reversal ( - {$1000.00} ) Hazard Insurance ( - {$1800.00} ) Hazard Insurance XXXX ( - {$1800.00} ) This is only a small picture as to what my Payment History looks like. XXXX -- -- ( XXXX ) Transaction took place, XXXX -- - ( XXXX ) Transaction, XXXX -- ( XXXX ) Transaction, XXXX -- -- ( XXXX ) Transaction, XXXX -- - ( XXXX ) Transaction, XXXX -- - ( XXXX ) Transaction, XXXX -- - ( XXXX ) Transactions???????? Why so many Transaction took place on a long that was refinance in XXXX!!! Why do this Loan have 5 different Loan no. and 4 different FHA no. If anyone think this is a Duplicate question is because I never receive a ANSWER!!!!

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 2022-04-20
Company: Experian Information Solutions Inc.
State: MO
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXXXXXX Closing XXXX Asset Amount : {$0.00} Court : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Liability : {$0.00} Exempt Amount : {$0.00} *5 USC 1681 section 602 A. states i have the right to privacy.

*15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) section states : No consumer report 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 USC 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 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 2022-04-20
Company: EQUIFAX, INC.
State: MO
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX  XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Type : Chapter XXXX Bankruptcy XXXX XXXX XXXX Date XXXX Reference # XXXX Closing XXXX Asset Amount : {$0.00} Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} Exempt Amount : {$0.00} *5 USC 1681 section 602 A. states i have the right to privacy.

*15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) section states : No consumer report 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 USC 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 explanation