BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-08
Company: Square Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I own and operate a small XXXX XXXX XXXX  business. I sometimes travel to craft shows to sell my XXXX. In XXXX of 2021 I had two such shows and I was using Square to process my credit card transactions. Immediatly after the second show ( XXXX XXXX ) Square informed me, via text message, that my account had been closed and that my funds were being held. 
Trying to contact a person at Square is impossible. The only real option of contacting the company is through email. They do list a phone number, but once you punch in your account number a pre recorded message tells you that your account has been closed, permanently. There is no reason given and according to Square, no recourse. Any funds you had in your account will be held for up to three months. My email complaint fared no better ; I received a generic reply with the same information : account permanently closed, no reason, no recourse, no funds for three months. There was no contact information for Square in the email. 
Wow. I am lucky enough to have a business where this hold does not threaten the ability of my business to operate, but it could have. After this happened I did research on the net ; this is not an isolated occurence. People 's businesses are being ruined. This seems like some sort of scam to hold on to people 's funds for a quarter of year. Interest profits?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to verify everything in my credit report, and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act DPT EDXXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: U.S. BANCORP
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
To Whom It May Concern : My name is XXXX XXXX XXXX and I am writing in regards to a credit dispute that was wrongly put on my report and my wifes, XXXX XXXX XXXX, report. 

Our issue is with US Bank. They hit both of our account for late payments for a leased vehicle that we traded in. I tried several times calling them and discussing this issue and they refused to provide any help at all. 

At the time they hit my credit report with this false claim my score was XXXX, and now it is XXXX. 
At the time they hit my wifes credit report with this false claim her score was XXXX, and now it is XXXX. 

We traded in our lease vehicle with US Bank on XX/XX/XXXX with XXXX XXXX. XXXX XXXX sent US Bank a certified check for the amount of the loan. At this point we no longer had possession of the leased US Bank vehicle. 

We then began paying the new lease payments to XXXX XXXX, all on time and full payments. Fast forward three months, and US Bank hits my bank account saying they have not been receiving payments. 

Multiple times during this time period I called US Bank, or had them call me, and told them about all the details and they assured me nothing like this would happen. 

When we got hit with the credit claim, I dug into it and found out that the first check that XXXX XXXX sent was int eh wrong about. It took US Bank 2 weeks to send this back to XXXX XXXX. XXXX XXXX then corrected the check and sent it with certified mail back to US Bank. 

At this point US Bank received the check on XX/XX/XXXX. US Bank then set on the check for almost three weeks, not cashing it until XX/XX/XXXX. 

The prior to paragraphs can be verified by XXXX XXXX as they provided me those dates based on the certified mail received date and the check cash date. 

Hopefully the above information is enough for you to see the US Bank handled our claim very very badly. I would be very interesting in filing a claim against them if that is possible. My credit is now poor when 3 months ago it was at XXXX. 

I hope to hear from someone soon. 

Thank you, XXXX XXXX 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 2023-04-19
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
Discover and XXXX XXXX have reported balances on my report that were unauthorized by me. I never received d XXXX form requesting to use my information in any other way than to obtain the credit line I already secured through our contractual agreement. Therefore, I will need my balance reported to always reflect {$0.00} owed, as well as on time payments for the remainder of our business relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Citi. Bank. Refuses. To. Deposit. My. Check. Into. My. Acount. A. Third. Party. Check. Which. The. Bank notified. Me. That. Citi. Bank. Accepts. Third. Party. Checking. Deposit. And. The. Also. Refuse. To. Credit. Me. The. Fees. They. Took. From. Me. The. Charged. Me. For. The. Returned. Third. Party. Check. They. Stated. They. Accept. To. Deposit. In. My. Acount. And. Giving. Me. An. Elderly. Consumer. Very. Hard. Time. And. Horasing. Me. And. Being. Rude. To. Me. Unacceptable. Rude. Behavior. By. The. Citi. Bank. To. 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 2023-09-08
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: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2022-11-26
Company: EQUIFAX, INC.
State: IL
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am in the process of purchasing a home upon doing so I had XXXX hard inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: NJ
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2023 - Purchased XXXX silver U.S. half dollar silver coins online from a vendor in XXXX XXXX, paying by Citicard XXXX in the amount of {$160.00}. When received, the items were discovered to be counterfeit. I verified this with a local coin and stamp dealer and got pictures of the counterfeit coins alonside a genuine half dollar coin. The counterfeits weren't even good copies. I contacted the vendor who offered me a partial refund, which I refused, as the merchandise was fraudulent. I contacted Citicard, who temporarily credited the funds back to my account. However, I received a letter from Citicard asking for documentation of the fraud, which I sent via U.S. mail. I then received another letter from Citicard indicating that my documentation had been lost or damaged in the mail, and thus the charge for the counterfeit goods would be reinstated to my Citicard. This reinstatment occured on XX/XX/2023, in the amount of {$160.00}. I called Citicard and was given an email address to resend the documentation, which I did. When I followed up with Citicard about one month ago, I was told that the dispute had been referred to the Citicard investigation team. I was told to recontact Citicare in two week 's time which I did two weeks ago. I was told to recontact them in two weeks, which I did today. I was again given the runaround, saying that the dispute would be referred to the investigation team. I believe sufficient time ( over one month ) has elapsed for this dispute to have been resolved. 

I hereby authorize the CFPB to contact Citicard on my behalf in reference to this dispute and for Citicard to supply all statements for the months of XXXX through XXXX, 2023, pursuant to this dispute to 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 monetary relief
Consumer complaint received 2022-11-20
Company: BlockFi Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Froze account and wont let me withdraw. Lied to consumers saying theyd operate normally. Also didnt disclose their malpractice with using fraud funds from XXXX. No updates in the system and keeping all my money in my crypto wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
Hello My Name is XXXX XXXX, on XX/XX/2023 I was informed that a permanent credit of {$28000.00} will be issued to my account. As of today XX/XX/2023 the credit has not been applied to my account. I was told once again on XX/XX/2023 that the credit would be placed into my account in 14 days. It has not happened. So I have spoken to bank of America Edd card holder services 3 times with no 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 2023-06-18
Company: Experian Information Solutions Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-04-19
Company: Experian Information Solutions Inc.
State: NJ
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:
remove this account # XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX account # XXXX. 
XXXX XXXX XXXX  account # XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 non-monetary relief
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent a letter to XXXX which was returned to me for not deliverable address. 
I then sent XXXX and transunion a letter to remove this account because it is violation of The responsibility of the data furnisher is outlined in the FCRA, section 623. In part, it states : The FCRA prohibits information furnishers from providing information to a consumer reporting agency ( CRA ) that they know ( or consciously avoid knowing ) is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( AO and ( a ) ( 1 ) ( CO You are hereby notified that the data furnisher has not clearly and conspicuously provided an address at which to write a dispute about inaccurate information. If this information continues to report on my credit files, you will be held responsible for knowingly reporting false information.

This account is still reporting on my credit report. 
Ive included the envelope showing returned, the address that is reported to the credit bureaus, and the letters I sent to XXXX and transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Forest Recovery Services LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of XXXX I had about XXXX missing shingles on my roof from a storm and I went to XXXX XXXX XXXX for a roof replacement. They told me how much it would cost and I received money from my house insurance because the damage was partially covered. The amount I received from the insurance was not enough to cover the full costs so XXXX XXXX XXXX recommended me to XXXX XXXX and I took out a loan with them to pay for the remaining balance. In XXXX I refinanced my house and payed off the remainder of the loan that I had with XXXX XXXX. An employee of XXXX XXXX XXXX and called me and told me to call my insurance to see if I could get more money from them and pay them the insurance money. I told him that I already paid him in full and that I was uncomfortable with that. He told me he would tell me what to say and the insurance will pay them. I contacted my lawyer and told him not to contact me again. On XX/XX/XXXX XXXX XXXX XXXX sent me to collections with Forest Recovery Services for the amount of {$1700.00}. I do not owe them any money as I payed them the full amount in XXXX with both the insurance money and the loan. I have also received a fraudulent letter in the mail soliciting money that was unmarked but I believe it is from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: NY
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:
Dear XXXX XXXX, I am writing to dispute certain inaccuracies that are currently appearing on my credit report, which are affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name XXXX XXXX Account number XXXX Account type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 

I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

Sincerely,

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 2022-04-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  Acct # XXXX XXXX XXXX, and bankruptcy Acct # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 non-monetary relief
Consumer complaint received 2023-04-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a testing kit from XXXX XXXX on XX/XX/XXXX for the amount of {$33.00}. Within 15 minutes of placing the order, I emailed the merchant asking to cancel the order. They did not get back to me and ended up shipping the order. I refused the delivery of order with USPS ( XXXX ) and the item was sent back to the merchant unopened and untouched. However, the merchant has not refunded the amount and when I reached out to them, they said that they would not refund. 

I reached out to my credit card company ( Chase ) on XX/XX/XXXX about the issue to dispute the transaction. I paid for goods and those goods are not in my possession. However, they said that they could not assist with my dispute because the merchant does not offer a refund policy. 

I would really like assistance with this issue because I am now out of {$33.00} and I do not have any of the goods/services that were purchased in my possession.

Company response to consumer: Closed with monetary relief