BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-19
Company: Square Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2019, I deposited {$1400.00} from my debit card ending in XXXX to my cash app account/card. There was no problem. I went to the post office to to purchase a money order for XXXX . It was declined twice. I went to my car and went to the internet to get a number for cash app   customer service. A number came up and I called it. It was an XXXX #. A man answered and said " Thank you for calling cash app, my name is '' such and such. I told him my name and told him that my card was declined twice and I wanted to know why. He asked for my phone number and asked me to log out of cash app and log back in and my card would be unlocked. So I did. When I logged back in my account was completely gone. I called back and they said they were going to be putting the money back into my bank and that they closed my account. I then emailed cash app and asked why I didn't receive my money. They said they don't use phones. I had the app installed on my XXXX   and was still logged in to the account they had me log out of, and could see that someone had tried to send {$1400.00} to 2 different people I don't know but that was declined " for my protection '' and then they has withdrawn all my money to a card that I don't own. I told cash app that someone was stealing my money and then I sent them pictures of every single thing. They had me fill out a long email explaining everything that happened and they would " investigate ''. I said ok. I have yet to get my money back after emailing and emailing the man " XXXX '' who said he was taking over my case. In their FAQ it says " You will not be able to withdraw funds to any card except the card that deposited the funds ''. I told them that they were responsible for the theft because it was allowed to be withdrawn onto a card that did not deposit the funds. I sent pictures of everything that proved it. I created a new account and used several security features, I needed the card because my husband is a truck driver and that's how I send him money. So today I tried to send my husband money and they had closed my account, it still has money on my card. I tried to withdraw it and it won't let me. I have yet to get my XXXX $ back that is their responsibility to reimburse for allowing it to happen in the first place and now I can't withdraw the money I have on there. They have never returned my email since XXXX took over, he only said to file a complaint with my bank. It is not my banks responsibility because I deposited it onto the card. Cash App has done this to SOOOO many people, it is a branch of Square, a reputable company. Please help me get my money back, they won't help at all. I have emailed probably 40 times and now they closed my account so I can't email them anymore. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to Malpractice by this credit reporting agency while several laws were being broken under the FCRA by this company. This has called me financial injury, defamation of character due to their willful non-compliance. I have been denied credit from multiple lenders, I can not get a Job & have not been able to qualify for a SBA Loan due to the coronavirus pandemic because of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XXXX I had opened a new checking account with Santander Bank, N.A. I had used a promotional code to set up my checkings account to receive a bonus of XXXX $ after haveling a direct deposit of XXXX or ore in the first 90days of opening the account. I did reach the limit and I waited the full 90days. Now it is well beyond 90 days and I still have yet received my promotional agreement. I did reach out before my 90days where met and they did confirm my account would qualify for it.

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 2022-12-07
Company: EQUIFAX, INC.
State: MT
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:
After calling in to dispute something on my Equifax credit report, I landed with the rudest and most incompetent customer service rep. After he hung up on me, my account email address was changed twice without my permission. I emailed support multiple times and received no reply. Now I am unable to log into the website. I have opened two complaints with the XXXX, no response. The agent was upset that I got upset because he was so rude and lazy and incompetent, that he somehow got the company to retaliate against me. I am unable to do anything in the system. I have not tried to call yet, but I don't expect it to be any better, most of their agents barely speak XXXX! Email should be the XXXX XXXX, not the one on this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The is an unauthorized hard inquiry on my credit report that denotes it was reported in XXXX I did not authorize this inquiry.

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 2019-10-03
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:
Hello. I had to contact the FTC and police because of fraud. I ran my annual credit report today and discovered items on my credit that are completely foreign to me. I am planning on buying a home soon. I have absolutely no idea what these items are and would like them removed as quickly as possible. Two items don't even have names attach to them only account numbers. 
Item # 1 Unknown ( account # XXXX ) item # 2 Unknown ( account # XXXX ), XXXX  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 explanation
Consumer complaint received 2023-09-01
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card
Sub-product: Store credit 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 purchased a laptop at an Apple Store on XX/XX/2023. The total cost of this purchase was {$4200.00}. I chose to finance the card using an Apple Card which I opened at the time. On XX/XX/2023 I was charged for the above amount. However, when I reviewed the billing statement for the card, the total amount due was {$4600.00}. It seems in addition to the cost above I was charged an additional amount of {$360.00}. I called Apple Card to clarify why I was charged this amount, and they were unable to tell me why. They recommended calling Apple directly, which I did. They were also unable to tell me why I was charge the {$360.00} amount. My receipt does not list this purchase amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021, I purchased a brand new XXXX XXXX combo from XXXX  paid for it on my Capital One credit card. The package arrived opened. The box had the tape cut and the product had finger prints on it. I took pictures before installing the product. Once the product was installed and working, I used the internet it provided to contact XXXX about the product. XXXX sells the same product, but it is open box. XXXX asked for the photos of finger prints and then denied any credit. I immediately reported the transaction to Capital One and a dispute was opened. XXXX denied the dispute. XXXX reasoning behind the denial was due to not being contacted by the customer ( me ). Capital One requested proof. On XX/XX/2021, I submitted to Capital One email records and copies of photos of the finger printed product. Capital One again denied my transaction asking for a second opinion from a professional of similar stance as XXXX. 

I did not and do not authorize the purchase of an open box product from XXXX. 

This is class warfare. XXXX is a multi-national conglomerate. Who would be considered a similar company? No one has the size or reach. The only closest company would be XXXX, another massive online retailer. As a regular citizen, it would be practically impossible to obtain a second opinion of Walmart from their legal department on their letterhead. However the evidence produced by myself, the customer, clearly proves that XXXX did know about this problem and refused to remedy the issue. Capital one is taking sides. One can presume this is due to their financial business arrangement where Capital One offers a special XXXX Credit Card. XXXX pays capital one more than I do so both parties are ignoring my evidence and protecting each other. 

XXXX lied and is stealing money from me. Capital One is refusing to protect their customer from a transaction that was not authorized. I am being discriminated against due to my financial class.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 
2. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2022 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 2023-08-31
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I AM NOT LIABLE FOR THIS DEBT WITH CAINE & WEINER OR XXXX, I DO NOT HAVE A CONTRACT WITH CAINE & WEINER OR XXXX, THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I REQUESTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
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:
There are fraudulent accounts listed on my consumer report I have tried resolving and disputing it with the creditors. 

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: U.S. BANCORP
State: OR
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022 I received a phone call from the US Bank Visa Fraud Department concerning some recent charges on my credit card ( # XXXX XXXX XXXX XXXX ) that happened while I was in XXXX De XXXX, XXXX. I immediately answered the phone, spoke to an agent, and stated that the two charges made to XXXX XXXX XXXX of {$1600.00} and {$500.00} were fraud. The agent stated that they will reverse the charges and do an investigation. They attempted to call me one more time and did not leave a message. I then received a letter dated XX/XX/2022 that stated that the investigation was complete, and no fraud was found because I still had my card and that there was another authorized user on my credit card. They then reversed the charges back and charged me the approximately {$2100.00}. Since then, I have called to reopen the case multiple times and eventually spoke to an agent about my case after I filed a complaint. I stated that there are no other authorized users on my account, and it is clear that my card was scanned and charged somehow. This agent stated that I need to get a police report from XXXX, video footage and witness statements. 

My current case # 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 2023-06-25
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I called Venmo/Synchrony regarding fraud on my Venmo credit card. Their phone representative made a mistake and closed my account instead of addressing the fraudulent charges and fees, even though I specifically stated I opened the account but the charges where fraudulent. I have since made multiple calls and wasted hours of my time to get them to reverse the issue and resend a new card as I was told they would do. They have still not fixed the issue they made. I spoke with multiple people regarding this including XXXX, id # XXXX. They just keep sending me a pointless letter but not actually doing what I tell them to do.

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 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
As by Law, under 15 U.S Code 160XXXX- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on 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 2019-07-19
Company: U.S. BANCORP
State: FL
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:
Fidelity Rewards Visa failed to protect me against a predatory and unethical merchant charging me for services not rendered, improper billing, damage to my property, and misrepresentation. Fidelity Rewards Visa is the branded credit card of Fidelity Investments and is operated by Elan Financial Services. Detailed complaints were sent certified mail to the credit card company on XX/XX/2019 and XX/XX/2019. The complaint was handled by a staff member who was not qualified to handle the complaint, never returned my phone calls, and accepted the merchants position despite thorough documentation supporting my dispute. The letters sent to me by Fidelity Rewards Visa failed to describe the resolution or the facts supporting the resolution. The result was a loss to me of {$1400.00} to a merchant who continues to prey on the public and stands to lose their license to operate as a result of their unethical behavior. Despite numerous phone calls to the credit card company to escalate the dispute to a supervisor, the supervisor has never made a serious attempt to contact me. Representatives of the credit card company make cursory calls but never leave a message so that they can document their internal files that an attempt was made to contact me. The failure of Fidelity Rewards Visa to protect its consumers is systemic and needs to be investigated.

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 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 noticed fraudulent and inaccurate information on my report. Please delete and update 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 explanation
Consumer complaint received 2021-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
On XX/XX/2021, I was looking through my banking account and saw that two unauthorized transactions had occurred. Both transactions were conducted on XXXX  in the amounts of {$330.00} and {$390.00} and were recorded on XX/XX/2021. I immediately reached out to the Bank of America fraud department to dispute the claims. The charges were credited back to my account as they initiated an investigation. On XX/XX/2021, I received a letter from Bank of America and they denied my claim in total, yet I only received a breakdown of the {$330.00} and not the {$390.00} charge. Their reasoning was that XXXX XXXX provided documentation that proved the transaction was valid. The documentation provided was a online order using my name, address, and phone number but listed a email address that is not mine. It appears that someone gained access to my account and made unauthorized purchases and then picked them up at a XXXX XXXX. I called Bank of America again to dispute these charges and was told that they appear valid. I also made a complaint about only receiving partial documentation from them. Someone used my identity and money to make these purchases. I was told I need to mail in a signed statement to reopen the claim but they will take the money they originally credited me back. So now I have to wait on a physical letter to be mailed to them. This is ridiculous and unfair to me. I have been with this bank for 15 years and will be looking to take my banking elsewhere when this is over. 

I have filed a police report with the XXXX XXXX Sheriff 's Department on this matter and the report number is : XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-03
Company: Siggi LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I took a loan of XXXX in XXXX. Allotments were taken out from my military direct deposit for XXXX $ a month until XXXX, totaling XXXX . I stoped the allotment in XXXX, they claimed that I renewed the loan. I fear they are scamming military families in need. They have no email or phone number, they have hit my credit every month. I am trying to rebuild my credit, and they are ruining my life over a scam.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation