BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: Block, Inc.
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I just opened a Square accounts for payment processing for my business and my first customer paid me via ACH. After two weeks of requests for verification, which I supplied, Square has now deactivated my account, and is holding the funds in which they have received from my customer, per their email for 90 days. I attempted to contact Square directly. However, their customer service associates have little authority and can only repeat company policy to me. They refused to transfer me to a management team and stated that there was nothing else they could do to help me. I find it illegal at least and unethical at best to withhold these funds from me, or give me the ability to refund my customer so that we may use a different payment method.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
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:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason, I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, US DEPT ED, USDOE/XXXX. There are also some inquiries that are not mine AN 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. I have contacted the FTC and the Georgia police.

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 2022-12-21
Company: WELLS FARGO & COMPANY
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Had an account with XXXX XXXX  He received and cashed out a check for an auto accident. Without my consent. This was after we had split up and were no longer together. The bank had not allowed me to close out our account stating that we would both have to be present. Then they allowed him to cash out a check with my name and close the account. Cloase to XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: Experian Information Solutions Inc.
State: DC
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 contacted EXPERIAN on XX/XX/2021 about them colluding with the accounts on my credit report to commit identity theft and fraud. As a consumer and natural person EXPERIAN had no written consent from me to furnish this account on my report therefore they are in major violation of my consumer rights. Pursuant to 15 USC 1681 b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I, the consumer, gave NO written consent to furnish this account on my credit report. Also, pursuant to 15 USC 1681 ( a ) ( 4 ) : Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. By furnishing this account on my report without the express written consent of me, the consumer and a natural living person, you are engaging in unfair and unethical practices as a consumer reporting agency. So I, the consumer, command that EXPERIAN remove this account from my credit report right now or face legal action. Finally, pursuant to 15 U.S. Code 1681c2 ( a ) ( 3 ) - Block of information resulting from identity theft - Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of the identification of such information by theconsumer. Therefore you have 4 business days, and Congress states EVERY day is a business day, to remove this from my credit report or be in further violation of my consumer rights and face heftier fines/fees and legal action. The account in question is attached to this 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 2021-07-31
Company: CITIBANK, N.A.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been a ward of the state since I was XXXX XXXX of age I am now XXXX years old some addresses on my account does not belong to me I have accounts that have been opened in my name that doesnt belong to me some states I never been too and this has been a problem for years I have a block on my social now because of this situation and Im an currently receiving new accounts that I have no knowledge of

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 2018-12-26
Company: General Motors Financial Company, Inc.
State: TX
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 have been disputing for over a year with GM Financial about an account that they have as charged off whenever the vehicle loan was paid off by insurance in XX/XX/2015 for a wreck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by fake XXXX customer support which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to the fraudsters.

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 2023-03-21
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I got a cashiers cheque with the funds that was in my account from my former bank before closing XXXX XXXX XXXX  I was told by the teller that I have up to 5 years to cash the Cheque  a year later I took it to my new bank Citi bank and deposited it. A few days later, citi bank closed my account and said that the Cheque was stale dated. Its been almost 90 days and citi bank have been going back to back with me about getting my funds. The issuing bank told me that the Cheque was cleared by citi bank but citi bank have been holding my Cheque. They investigated and told me that after 60 days they would rekease it and open my account but its been almost 90 days and still nothing. 

Cheque Valued XXXX {$25000.00} Date Deposited 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 2021-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My Bank of America balance is incorrect. 
Account Age 13 years, 10 months OPENED ON XXXXthis should have been removed from my credit report in XXXX 
And its not

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 2021-06-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  ( Original Creditor : XXXX XXXX ) TransUnion and XXXX Account # : XXXX Account Type : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - - Date Opened : XX/XX/2023 - XX/XX/2023 Balance : {$800.00} High Credit : {$800.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/2023 - XX/XX/2023 Comments : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Date Last Active : XX/XX/2023 - XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Truist Bank failed to apply principal balance to the principal account for set off. Violation : I submitted a restrictive endorsement ( Bill of Exchange Act ) on several occasions ( endorsed payment coupon ) which is a negotiable instrument and lawful form of payment. Truist Bank denied the lawful form of payment and therefore caused an issue with the account. 





I, XXXX, XXXX : on behalf of XXXX XXXX XXXX CFO XXXX XXXX of Truist Bank by certified mail XXXX XX/XX/23 instructing CFO XXXX XXXX to apply my principals balance to my principals account for set off. I sent CFO XXXX XXXX my tender along with my instructions pursuant to the Bills of Exchange Act. I informed Truist Bank that it is not now, nor has it ever been, my intention to avoid paying any obligation that I lawfully owe. I am not refusing to pay. I am trying to set off this debt as instructed by law. My tender and instructions were refused on both occasions. I notified CFO XXXX XXXX of Truist Bank by certified mail again dated XX/XX/23 and provided my tender and instructions. Again, Truist Bank failed to perform their fiduciary duty. I received letters from Truist Bank stating that they do not accept my presentment or negotiable instruments. This is described as Dishonor pursuant to the Bills of Exchange Act ( Section 80 ). I notified CFO XXXX XXXX of Truist Bank a 3rd time dated XX/XX/23, by certified mail and again instructed him to apply my principals balance to my principals account for set off. I sent CFO XXXX XXXX my tender along with my instructions pursuant to the Bills of Exchange Act. Once again, my instructions were refused. Pursuant to the Federal Reserve Act ( Section 29 ), Truist Bank has shown a pattern of misconduct and knowingly breached their fiduciary duty ( Third Tier ). 



Federal Reserve Act section 16 Part 1 and 2 states that once I submitted my application for credit, the application serves as collateral security. In an equitable contract according to contract law, both parties should receive equal consideration. I have not received my equal consideration on the collateral security created from the application in the form of interest or equity to set off the debt for the Truist account ending in 4862. 12 USC 1431 also states banks are borrowers and to pay interest on debentures ( debt instrument ). 



LAST ATTEMPT TO CURE BEFORE PROCEEDING TO LITIGATION

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX 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 Balance : {$130000.00} XXXX XXXX XXXXXXXX Balance : {$37000.00} XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-06-02
Company: EQUIFAX, 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: Account information incorrect

Complaint:
To whom it may concern, Many of the items on my credit report originated more than 7 years ago and therefore are required by the updated laws and regulations under FCRA as of 2023. 


The following items include All four collections which are duplicates of other accounts, one of which was paid until my date of departure from the house. Under Rhode Island law, when your contractual obligation to a residence ends the bills become the responsibility of the home owner. Please verify age of origination for all accounts and delete all of the old information from my report. It has caused me great damage for a huge portion of my life. I'm now entering my mid 30 's with XXXX children and a mother to provide for and I'm still being punished for mistakes I made in my early 20 's. I have paid for many accounts to be deleted. I have repeatly contacted all three reporting agencies over the years and still I have never been able to get these old account removed. 

Any account, past the origination age of 7 years ( not the date of closure ) by law must be removed promptly or I will file suit against all three credit agencies and seek the maximum amount of damages allowed to me by law. 

Thank you kindly for reading.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: TN
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:
The reporting of inaccurate and outdated information. This is causing damage to my reputation, my character, and mode of living. I have tried several times to have these mistakes completed. Also, not to mention the data breaches as well of these reporting agencies who is not keeping their promises. This is very time consuming, and they have had several times to fix the errors and mistakes, but they choose not to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have taken the necessary steps to address this issue by reporting the false information that has been disclosed. As a victim of identity theft, I want to emphasize the significant stress and financial burden that has been placed upon me due to the inclusion of products that do not pertain to my identity and for which I am not responsible. It is imperative that this complaint is handled appropriately ; otherwise, I will be left with no choice but to initiate legal proceedings. These false and fraudulent entries on my consumer report have had a detrimental impact on my ability to fulfill personal aspirations, such as purchasing my dream car, and provide necessary support for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I applied for a job on indeed and was offered a work from home position as a personal assistant for the savier reality company. All of the information checked out and I even messaged the company to verify which they didnt respond. I was given a check for XXXX and some change and was told that I needed to send the venders the money for my equipment since she was not in the office at the time. The check was canceled and I immediately called my bank and I was told the transaction wasnt fraudulent since I sent them the money. I was sent a professional check for my job I had no idea I was being scammed. Ive done similar jobs before. I sent money over XXXX and cashapp. When I questioned why I would send the money I was told that I needed to be trusted with money and needed to equally send the money to each because one was for the phone and the other was for the laptop and printer. I am now XXXX $ in the hole with my bank and Ive sent every bit of information I have to show it was a fraud company

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-01
Company: MARINER FINANCE, LLC
State: OH
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:
An account with Mariner Finance was fraudulently opened in my name by a former spouse. When it went unpaid, they sued me and received a judgement against me to pay in the amount of {$85.00} per month for the balance of the loan. I have made these payments on time since XX/XX/2020, however they are not applying them to the loan, and continue to report the loan as no payment made to the credit bureaus. When I contacted them, they stated they will continue to mark it as unpaid until the loan is paid in full. The loan will never be paid in full, because they are charging higher monthly interest than the $ XXXX  month payment, and therefore not applying the payments to principal. I spoke with XXXX at the XXXX XXXX who was rude and condescending and told me it was my own fault for not paying my bill, even though they have been made aware this was a fraudulent loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: American First Finance, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On Monday, XX/XX/2023 I submitted an application to American First Finance company for an extension of credit to XXXX XXXXs located in XXXX, CA. That request was denied with a notice of adverse action without proper explanation for the reason. 

Under the Truth in Lending Act and the Fair Credit Reporting Act, I'd like to request a written disclosure and the reasons for the denial of the application. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act : XXXX ) XXXX XXXX XXXX Directory XXXX XXXX XXXX XXXX IL XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX / # XXXX Directory XXXX XXXX XXXX XXXX XXXX Tx 3 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX dir # XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Fl XXXX ) XXXX XXXX XXXXXXXX XXXX TN XXXX XXXX ) XXXX XXXX  XXXX ... Dir # XXXX XXXX MI XXXX ) XXXX XXXX XXXX XXXX ... dir # XXXX XXXX NC XXXX ) XXXX XXXX XXXX XXXX dir # XXXX XXXX NC XXXX ) XXXX XXXX. XXXX dir # XXXX XXXX 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 of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Transunion will not provide my credit report or score without requesting payment for membership.

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 2023-07-31
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I called what I thought was the Chime Customer Service Number, XXXX to inquire about missing {$420.00} in my checking account. I explained my concern to XXXX, and he stated that I needed to speak to a supervisor.

Company response to consumer: Closed with explanation