BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: MD
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: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27
Company: TD BANK US HOLDING COMPANY
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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against TD Auto Finance located in XXXX XXXX, MI. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, TD Auto Finance has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Dear Consumer Financial Protection Bureau, I hope this email finds you well. I am writing to file a complaint regarding a recent issue I encountered with American Express regarding their failure to provide me with the promised welcome offer for my credit card. Additionally, I have concerns about the fraudulent promotion advertisement they used during the application process. 

I applied for an American Express credit card on XXXX XXXX with the understanding that I would be eligible to receive a welcome bonus of XXXX Membership Rewards ( MR ) points upon meeting the specified criteria. However, after six months of fulfilling all the requirements, American Express informed me that I was not eligible for the welcome bonus. According to their explanation, I should have received a pop-up message during the application process notifying me of my ineligibility, but I never received any such message. I can confidently confirm that I would have declined to proceed with the application had I been aware of this information. 

The misleading and fraudulent promotion advertisement employed by American Express is deeply disappointing. As a responsible consumer, I carefully reviewed the terms and conditions of the offer before applying, and I fulfilled all the necessary requirements within the designated timeframe. It is disheartening to be denied the promised welcome bonus of XXXX MR points after investing time and effort into meeting the obligations. 

In light of this situation, I kindly request your intervention and assistance in addressing this matter with American Express. I believe that American Express should honor their promotional promises and rectify this issue by providing me with the welcome bonus of XXXX MR points that I am entitled to. 

I urge the Consumer Financial Protection Bureau to take appropriate action to ensure that American Express addresses this deceptive marketing practice and resolves the issue to the satisfaction of affected customers. 

Thank you for your attention to this matter. I look forward to your prompt assistance and a fair resolution. Should you require any additional information or documentation from my end, please do not hesitate to contact me at [ your contact number ] or [ your email address ]. 

Sincerely, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Lending Club Corp
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
On XX/XX/2021 my bank ( XXXX XXXX XXXX XXXX ) sent me letter for the transfer of {$18000.00} to Lending Club NA in XXXX XXXX which i requested. I provided them this account number ( XXXX ) on the check and this address ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX ) but they omitted the XXXX XXXX. 

The check went and it was endorsed and cashed at XXXX XXXX XXXX  on XX/XX/2021 onto Account Number XXXX. 

Lending club contacted me again that they have not receive the money. I went back to XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX to inform them of what has happened. They sent me to go to XXXX XXXX XXXX  to ask about the account used to cash the check if the account belong to XXXX XXXX XXXX XXXX in XXXX XXXX and i did. XXXX XXXX bank told me that they can not deal with me since the check came from XXXX XXXX so they have to open fraud investigation and work with their fraud investigation team. I went back to XXXX XXXX XXXX XXXX and they are not willing to do it. They are trying to distance themselves. 

I have also called XXXX XXXX XXXX XXXX also to investigate the account use if it was for them and transfer the money to close my loan account and they are also refusing to do that. I have provided them a copy of the check and the endorsement and my statement that show the transfer of {$18000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: EQUIFAX, INC.
State: VA
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:
EQUIFAX SENT ME AND EMAIL STATED THAT THEY NEEEDED MORE INFORMATION INTO FIXING THE PROBLEM ON MY EQUIFAX CREDIT REPORT . SECOND FOR THE LAST 3 MONTHS IM NOT ABLE TO PURCHASE EQUIFAX PRODUCT PLAN TO CHECK MY CREDIT REPORT OR SCORE ON A DAILY BASIC . EVERYTIME I USE MY CREDIT CARD TO PURCHASE THE PRODUCT IT GET DENIED OR I GET SOMETHING THAT SAYS A TECHINAL PROBLRM OR  BLINK . I AM NOT ABLE TO GET ON TO SEE MY CREDIT REPORT ON  MY EQUIFAX .  THE ONLY THING  IT SAYS THAT I DONT HAVE ANY ACCOUNTS THAT IS OPEN THAT INCLUDES REVOLING ACCOUNTS AND INSTALLMENT ACCOUNTS  WHICH I HAVE 10 OPEN REVOLING ACCOUNTS AND I HAVE INSATLLMENT ACCOUNTS OPEN ON MY CREDIT REPORT . I DONT HAVE NY ISSUES LOGGING IN ON MY ACCOUNT THE ISSUE IM HAVING IS I CANT PURCHASED ANY PRODUCT BY USING MY CREDIT CARDS WHICH IS ON FILE WITH MY OPEN ACCOUNTS . I CALLED IN SEVERAL TIMES TO EXPLAIN THE ISSUE AND I GET THE RUN AROUND . EQUIFAX STATES THAT THEY NEED DOCUMENTAION TO SHOW PROVE OF MY IDENITY SO I HAVE INCLOSED MY VIRGINIA DRIVER LICENSES FRONT AND BACK AND MY SOCIAL SECURITY CARD FRONT AND BACK AND I ALSO INCLOSED MY ADDRESS MY MAILING ADDRESS AND MY THE ADDRESS WHERE I LIVE. CAN THEY UPDATED THAT CORRECTLY ON MY CREDIT REPORT NOT SURE IF MY CREDITOR UPDATED THIS WITH EQUIFAX . MY MAILING ADDRESS WIWTH ALL MY MAIL GOES TO XXXX XXXX XXXX XXXX XXXX XXXX  THEY DONT HAVE MY RESIDENT ADDRESS ON MY EQUIFAX CREDIT REPORT CAN THEY ADD THAT WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX . I HAVE  ENCLOSED PROOF OF MY ADDRESS ONE IS FROM VIRGINIA CREDIT UNION MY  BANK STATEMENT WHICH IS MY MAILING ADDESS FOR ALL OF MY CREDIT CARDS ON FILE SO CAN THEY UPDATE THAT CORRECTLY . SECOND I HAVE ENCLOSED A LETTER FROM THE POST OFFICE THAT SHOWS MY RESIDENT ADDRESS WHICH THE ADDRESS IS NOT ON MY CREDIT REPORT . CAN THAY ADD THAT TO MY FILE I ASK ABOUT THAT SEVERAL TIMES AND NOTHING BEEN DONE.    ALSO MY XXXX XXXX  CARDS  HAS NOT BEEN UPDATED CORRECTLY AS OF XXXX XXXX XXXX  . ON MY OTHER CREDIT FILES IT BEEN UPDATED ON XXXX  AMD XXXX XXXX CORRECTLY , CITI CARD ONE SUPPOSED TO BE UPDATED ON XXXX XXXX AND THE OTHER SUPPOSED TO BE UPDATED ON XXXX XXXX . NEITHER OEN BEEN UPDATED AND I PAYED BOTH ACCOUNTS OFF WITH A ZERO BALANCE ON BOTH CAN YOU GET WITH THE CREDITOR ABOUT THIS .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
Company: CURO Intermediate Holdings
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 I recognized that my credit was being used and there was unauthorized hard inquiries on my credit report from someone attempting to obtain credit in my name. I have filed a police report, and sent a formal letter to all three credit bureaus stating that I was victim of identity theft and fraud. I also placed a fraud alert on my credit. 

XXXX was able to remove all of the inquiries, however, when I contacted XXXX and XXXX  on XX/XX/2021 they refused to remove the unauthorized hard inquiries even though I mailed in a dispute letter with a police report attached. 

I am very furious because these fraudulent inquiries have hurt my credit and I am now not able to even apply for anything myself because the inquiries dropped by score 50 points.

There are 7 inquiries on XXXX and 5 on XXXX that I need removed immediately. The companies involved are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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: Credit inquiries on your report that you don't recognize

Complaint:
I hope this message finds you well. I am Submitting this complaint for the 2nd time to follow up my request for the several credit inquiries that were unauthorized be REMOVED from my credit reports. Someone has been inquiring and opening accounts under my name. As per legal advice from a friend and as per your agent, I should file an FTC, which I did and I have attached it to this letter. All credit reporting agencies should remove all unauthorized credit inquiries due to non-permissible purpose under the Fair Credit Reporting Act section 605B within 4 days from date of receipt of this letter. In addition, I am contacting each company listed below to close any and all fraudulent inquiries opened : XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Block, Inc.
State: CA
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:
Ok so i have a cash app account and XXXX XXXX XXXX is XXXX XXXX company they rent scooters here in XXXX XXXX California where I'm currently living they have been trying to take {$6.00} cents out of my account almost for a year they were successful three times on taking {$6.00} out of my account on three separate occasions and I called Cash app and said I've never ridden their scooters I've never used their services or their products don't let them take any more money out of my account I put a block on them and I've been trying to get this {$6.00} * 3 refunded back to me from cash app and they just refused to do so and I don't know why and I can't get them to fix this problem. Again I've never used lime scooters I've never rented one of their scooters and the XXXX is like a monthly recurring fee if you become a member of their whatever but I've never done that so I don't even know how they got my card number cash app has put a block on them so they understand that it's a fraudulent charge yet they refuse to refund me the XXXX times that they charged me {$6.00} which makes no sense to me I've tried everything I've got lots of correspondence between me and cash app and they just seem to be running me in a circle. This started back in XXXX of XXXX  and I've been trying to get the money back ever since. Again the XXXXXXXX XXXX XXXX who shows up on cash app as XXXX XXXX XXXX .... XXXX, novemeber XXXX  and XX/XX/2022. And on a side note if you XXXX XXXX restore balance you'll find thousands I mean thousands of people who are experiencing the same problem as me with them just fraudulently taking money out of their bank accounts everything it's unbelievable that these people aren't being held to some criminal charges

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$680.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
Company: Synovus Bank
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I entered into a consumer credit transaction with First Progress a few months ago .They are now sending deceptive forms according to 15 U.S. Code 1692 j. I have asked for the return of monies paid to them Pursuant to 15 U.S. Code 1692 h. I do not owe such alleged debt as I am a federally protected consumer. Their statements are false alleging I owe on something when i simply entered into a consumer credit transaction with First Progress using my credit card, which means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit, pursuant to 15 U.S. Code 1602 ( L ). So if i purchased this service on credit, I do not understand why they are alleging I owe such debt. When pursuant to 15 U.S. Code 1692 a ( 5 ) debt means any obligation or alleged obligation of a consumer to pay money arsing out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes ... Being that I am the consumer, the natural person pursuant to 15 U.S. Code 1692 a ( 3 ) which explains that the term consumer means any natural person obligated or allegedly obligated to pay any debt.I didn't obtain a " loan '' I simply entered into a consumer credit transaction with First Progress. I am not for any monetary compensation, i would simply like to keep my unlimited credit open until I the consumer decide to terminate services with First Progress. I also would like for them to stop reporting to any consumer reporting agency as I did not give any written permission for them to share my information with a 3rd party. Its an infringement upon my privacy as a consumer. I have sent 2 Affidavits of truth certified return receipt as well. I do not validate the alleged debt. First Progress ran my " credit '' received the credit and they want me to pay something back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX WAKEFIELD ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a trade line from XXXX  XXXX  in my Equifax file. All payments were accurately reported until recently, in which they are only reporting TWO of the payments, despite the account being paid off and closed in XX/XX/XXXX. I have confirmed telephonically with the creditor that they have made no reports on then account since XX/XX/XXXX when the final report was made. All payments were made on time, and did appear on the report until recently. This has negatively affected my credit score and thus decreases my chances for better credit opportunities. There was no reason to delete that info, other bureaus have it, and Equifax should not be altering the reports in this way. I have verified with the creditor that the information Equifax is reporting is incorrect Additionally, Equifax online disputing does not allow for disputing closed accounts. I called Equifax, only to find that they use offshore call centers, placing my and others financial information at extreme risk. 

I have copies of previous reports in my files, and can provide you with a copy of them, if necessary, for your review. 

I trust you will be able to enforce the ACCURACY requirements of the FCRA and other laws on Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: NAVY FEDERAL CREDIT UNION
State: NC
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:
While on vacation in XXXX I observed fraudulent charges being made on my account from Navy Federal Credit Union. 

One in XXXX for XXXX ( 1300 miles from where I was in XXXX ) one in XXXX XXXX for XXXX ( 1100 miles from XXXX ) and another charge with no location for XXXX. I immediately called navy federal and reported fraud and had the card deactivated. After reviewing my case Navy Federal Credit Union said that because the card was in my possession that the charges were not fraudulent and denied my claim. 

I feel that I took corrective action immediately and that Navy Federal Credit Union is not doing their due diligence in investigating my claim and protecting their clients as they are required to do by law. I would greatly appreciate any help rendered in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief