BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-25
Company: Block, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
CashApp is a popular and widely used financial service where people can receive funds and send funds and can make purchases using a card provided by CashApp and have those purchases refunded to the same card as well as adding and withdrawing funds using a variety of methods including transfer via debit/credit charge to non-CashApp card, direct transfer/wire from outside account, or ATM cash deposit. 

What CashApp does not allow is downloading or viewing statements outside of the app, and users are not able to view any records or ledgers of any duration or length of time for transactions under their account. 

I contacted CashApp support for assistance with many issues I encountered using their service, and one of those issues involved a handful of missing and extra transactions. During my initial overview of transactions logged in CashApp I noticed that I had not received funds from refunded purchases, and contacted CashApp support to request a detailed list of transactions. I was informed by multiple CashApp support representatives that they are unable to provide statements or a transaction history and that I could view all transactions under the activity portion of the app. 

My transactions do not balance as currently listed in-app, and transactions that I know had been refunded should have my account balance at a larger amount. CashApp support representatives have declined to investigate, and my requests for documentation from investigations have been denied. I want a list of all transactions made under my account, and I feel CashApp is hiding more than one thing from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: OneMain Finance Corporation
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:
ONE MAIN, IS REPORTING A CAR LOAN ON MY CREDIT WITH A BALANCE DUE THAT IS ERRONEOUS AND INCORRECT ACT # XXXX. I WAS SOLD A DAMAGED CLOUDED TITLE VEHICLE ( LEMON LAW VIOLATION ) XX/XX/2016 ONE MAIN FINANCED THIS ILLEGIBLE VEHICLE. I RETURNED WITHIN 30 DAYS AND WAS TOLD THAT FINANCING IS CANCELLED AND REVERSED. ONE MAIN OVER THE PHONE CONFIRMED I DID NOT OWE THEM ANY BALANCE AND ACCOUNT WAS CLOSED AND DISMISSED. HOWEVER, THEY ARE REPORTING THIS ON MY CREDIT REPORT CONTINUESLY AND STILL WITH BALANCE OF {$4600.00} DUE WHICH IS NOT CORRECT AND IS A VIOLATION OF MY CONSUMER RIGHTS. MY NUMEROUS ATTEMPTS TO CONNECT WITH ONE MAIN WENT IGNORED THEY ASKED ME TO WRITE TO THEM BUT NEVER ANSWER.. PLEASE HELP SERVE JUSTICE ON THESE PREDATORS AND VIOLATORS

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-25
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Complaint Statement Balance XX/XX/2023 Previous Balance {$130.00} Payments and Other Credits {$0.00} Purchase and OtherDebits {$140.00} XXXX {$0.00} Past Due Amount {$30.00} Fees Charged {$30.00} Interest Charged {$4.00} New Balance {$310.00} I provided my XXXX XXXX XXXX  Checking Account information when I received and started using the XXXX XXXX Instead of obtaining payment from my Checking Account they charged me fees and interest. I paid this entire newbalance on XXXX manually. I then tore up the card. My complaint can be satisfactorily addressed by investigating this fraud scheme. This company makes it very difficult to understand if you have successfully set up an automatic payment which I attempt to do and thought I had succeed at doing. Also, my password and user name was stored by XXXX but were not subseqently deemed valid. I could not log back in and don't have time to play silly games. XXXX subsequently make the charges stated above. If this is systemic to all customers it amounts to a fraud scheme.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2023-07-09
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: Account status incorrect

Complaint:
I opened an account with XXXX XXXX. Paid a {$90.00} program fee to open the account. XXXX  XXXX  sent credit card to wrong address and when I called to advise that I havent received a car and advised my correct address again, they sent out the new card but it had charges on card from the previous card that was used in fraud. I disputed the charges and they refused to take them off. How can I make charges on a card I havent received yet. The charges maxed out credit limit and I refuse to pay fraud charges on a brand new card that were made prior to me receiving the physical card. The account was closed as a result. I am asking for my program fee back and for this credit account to be removed from credit file. Negligence on behalf of XXXX XXXX to conduct a thorough investigation and remove fraud charges

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 2017-08-02
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Medical Data Systems sent debt to 3 credit bureaus for amount {$340.00}, date of service X/X/2016. I explained I was n't seen at XXXX Medcial Center. And could they please forward me validation of signature also identification. They advised no they do n't have information.

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 2022-10-05
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Navy Credit Union has {$10000.00} that should be returned ASAP to the sender. 
It was original send on XX/XX/2022. Navy Credit Union said it will take up to 240 days from XX/XX/2022. Mean while we have been send to collection. 

Please call me for a full discloser.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently obtained a copy of my credit report. It indicated that a credit inquiry was made by XXXX XXXX on XX/XX/2019 the day before I even showed up at XXXX XXXX dealership, which is an affiliated company. This inquiry was not authorized by me and appears to have been done in a nefarious manner. I authorized no inquiry until XX/XX/2019 when I came to the dealership, when XXXX did a credit inquiry for a second time but with their true name XXXX/XXXX XXXX/XXXX  short for XXXX   XXXX. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 
It was done in a nefarious and discreet manner to avoid detection. I spoke with the affiliated company XXXX XXXX, whom I have never had any dealings with and they told me that their credit inquiries are under the name XXXX XXXX XXXX. They are also located four hours from my home and I have had no dealings with them. 
The XXXX dealerships are saying that they do not know where this inquiry came from and EQUIFAX has been of no help. I have sent them my drivers license and a 1099R to identify myself and they still will not talk to me. I did put in a request to have this inquiry removed but i have no ability to check to see if this has happened. I should indicate that i became " locked out '' of my credit file after filing a complaint with XXXX XXXX and XXXX XXXX. Equifax would not even tell me why they wouldn't talk to me. AND WHEN I ASKED WHO I WOULD COMPLAIN TO ABOUT EQUIFAX, THEY TOLD ME THERE IS NO REGULATORS WHO WATCH OVER THEM. JUST COMPLAIN TO THEM. I knew that could not possibly be true. In addition, i was asked several times for my social security number, and it was repeated with other people in close proximity to the person taking my call. I could hear them. It sounds like an overseas operation and i question why they insisted on repeating my social loudly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This is regarding a {$250.00} payday loan I took out a long time ago from ACE Cash Express back in 2014. Totally forgot about it and this collection agency just recently got aggressive with me. 

I recently lost my job. Just before I did get fired, I was speaking to XXXX XXXX, a debt collector from an agency called XXXX XXXX and I had an idea/plan to make the arrangement. I also asked them to grant my brother-in-law 's request to stop calling him as he was my listed reference at the time. XXXX said ofcourse and let me know he was removed. We were supposed to talk at the end of the week but unfortunately I lost my job. I felt like the world came crashing down on me. Ever since, they became very aggressive in collecting that debt from 2014 payday loan that I owed. They already spoke to my brother-in-law and a week ago I asked to grant his request to be removed from their system which XXXX XXXX agreed to. However, they called him AGAIN!!! I called XXXX to let her know my situation. XXXX XXXX was very rude. And when I asked what happened to the request of my reference to be removed, she blamed it on their system. I was working in the industry using similar account/info system. It does not take a week to delete a reference on a customer 's account. I know the laws in California and you're only to make contact once and NOT supposed to leave a message. As it turns out, my brother in law and I are no longer in speaking terms. Please educate this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions 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:
CFPB complaint # XXXX The business that provided the information in question has 30 days from the date you submitted your request to respond back. No response has been received. The Fair Credit Reporting Act ( FCRA ) requires that Experian allow 30 days for the dispute process to be completed. 

The first initial response was XXXX and now it is XXXX. 

XXXX XXXX XXXX XXXX IS REPORTING UNVERIFIED DATA THAT I DID NOT GIVE THEM PERMISSION OR MY CONSENT TO DO SO.

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 2022-08-18
Company: Experian Information Solutions Inc.
State: NC
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:
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 Account number 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2018-12-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I noticed in XXXX that my credit report contains late payments reported on XXXX and XX/XX/2016 for my XXXX   student loan accounts. At the time, I have attended XXXX XXXX College ( now XXXX XXXX University ) in the Spring of XX/XX/2016and XXXX XXXX University in the summer and fall of XX/XX/2016. As a student attending classes at least half-time during those period, my account should not have entered payment at that stage. However, even after contacting XXXX regarding this issue, as well as sending their credit bureau management team relevant documents showing that I was a student at the time, I have not gotten a single response from XXXX team.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : 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, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. OR DELETED 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case XX/XX/2023 i sent certified mail to all 3 reporting agencys here are tracking numbers and USPS receipt attached 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 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I have been battling numerous of health issues and back in XXXX I was XXXX following an XXXX  XXXX. I had to stay in the hospital for a couple weeks upon discharge and arriving home I begin getting calls and letters concerning accounts I had no knowledge of opening. I also noticed things with my bank accounts that had unfamiliar charges and withdrawals. I am a victim of identity theft and would like all accounts removed from my credit. I have tried to communicate with the companies to address the matters one company in particular was very rude with a couple of employees who were very aggressive and threatened me on the call and via email.

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 2023-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I had applied for a XXXX credit card with capital one in XXXX, and got approved. They said the card would be sent in around XXXX business days and it was never sent. Few weeks had passed after their promised date and I found time to contact them only around XX/XX/XXXX, since they never contacted me. They said I could try changing the address since the delivery failed and seeing if that would work. I did that and waited another XXXX business days and I contacted them multiple times when again I hadn't received it. And on XXXX XXXX, they tell me the package is lost and they will issue it again. They keep doing this and don't even reach out to check if any delivery has been made, and it's now been over XXXX months since I've ordered the card and not received anything. This affects how I can utlizie my credit and constitutes fraudulent incompetence from Capital One, by not sending the promised credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: NY
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 told Experian, XXXX and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with RE : Bankruptcy File Number XXXX they must remove said information from the consumer credit file. 
The original creditor in this case would be the U.S. Bankruptcy Courts. The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 
XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 
Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. You, ARE BREAKING THE LAW AND ARE COMMITING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a ( e ). An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

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