BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My Cash App account was hacked into on XX/XX/23, and the persons used my bank debit card information to steal {$320.00} and {$25.00} that was sent to me on XX/XX/23 to purchase XXXX on XX/XX/23. This is a total of {$340.00}. I filed a police report and alerted the banks involved as well. 

I contacted Cash App support several times to report the scam and they have refused to examine the claim any further than to send me a copy of the transaction as proof that it was completed from my account. They continue to send requests for more information and then after I supply it I get a response that says my claim has been closed because they have not heard from me. They continue to request the same information for XXXX different claims that are actually the same request to have my funds restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Paypal Holdings, Inc
State: FL
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've had a paypal account for almost a year now. I've given them my social, my Florida drivers license, and paid many bills and fed my family pay paying through paypals credit card they gave me through XXXX XXXX. I cashed out my rewards points to my paypal account from XXXX XXXX  after using {$990.00} through paypal 's system with this issued paypal credit card from XXXX XXXX. As soon as I cashed out my {$11.00} to my prepaid debit card I INSTANTLY was permanently limited ( also known as banned forever ) from paypal. The customer care rep was rude, angry, insulted my good name and reputation, and refused to give me any reason why this happened and said that I am no longer wanted to do business with from paypal. They took my identity, they scammed me into using their credit card, had me rack up debt to almost {$1000.00} dollars, and as soon as I collected a benet for using my card they banned my account! I will not take this type of abuse tech companies seem to use with no accountability!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: GA
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:
Hello, The following acounts are not mine. 

XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX Request the following : Method of Verification, Validation of debt and Assignment of Debt. In addition, you would be in violation of my Hipp Rights if these were my acocunts and I did not give premission to share my personal medical informaiton and privacy. 

Please remove ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I have been having problems with a XXXX XXXX open without my consent. In XXXX store a Lady claim to enrolled me on a club membership for XXXX XXXX and asked for all my info to get 10 % off. Regardless of what happen, refused to get a payment and said I is complementary for your application today. I still paid the bill send to me later. I paid {$19.00} for a XXXX dollar item. even do I paid the bank they gain their credit cards XXXXXXXX XXXX has attempted to get over {$500.00} dollars from me for their abuse. I reported them to the credit bureau and they fail to give a solution to the situation. till now they have been lying on my credit report and harassing me for no reason giving bad feedback about me even do I paid. 

their persuasive agents become personal, aggressive and attempt to induce you to pay more and more every time their abusive customer service personnel become very personal agressive and inducing when I call claiming random reasons as to why I should give them more money every time. 

I need help.

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 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 noticed there is another inquire that I did not recognize, from TransUnion. 
Details as below : XXXX FS XX/XX/2021 Location XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose WRITTEN AUTHORIZATION This is not done by me and I have sent an email to XXXX ( which I got from their website ), as the contact number provided did not answer my call.

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 2021-07-08
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

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 2021-07-09
Company: CITIBANK, N.A.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX, I purchased a XXXX laptop from BestBuy for {$750.00}. They had a promotional offer to pay in 18 month and I took the offer. I had been paying the minimum of {$27.00} a month. On XXXX month, I called BestBuy using the phone number on the back side of my credit card to let them know that I wanted them to charge the remaining balance using my checking account number on file. The representative I spoke to was having a computer freeze issue. His computer froze after he verified my identity and understood the reason for my call. He stated, " I am sorry but my computer suddenly froze on me but I made a note here to charge your remaining balance as soon as I make the computer work ''. I trusted him and moved on with my life. Few months later, when I was reviewing my checking account, I found out that BestBuy is still taking the same {$27.00} per month out of my account. When I called them to find out what happened and why the remaining balance was not taken out of my account, they informed me that the remaining balance was not paid before the end of XXXX months and therefore I was charges fees that added up to approximately {$270.00}. By XX/XX/XXXX, they had taken out a total of {$810.00}, which is {$64.00} more than what I supposed to pay. Plus, they sent me to collections after I pulled auto pay and expressed my concern. The supervisor I spoke to stated because there is no note in my account or no record of me calling, they could do nothing for me. How is it fair that they over charges me and they are still able to manage to send me to collections. My recent credit history check shows the balance they reported to XXXX was {$570.00}. It does not make sense that they already received {$810.00} and are still trying to collect {$570.00}.

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 explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: SC
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 was a victim of XXXX XXXX coerced into being a co-signer on a vehicle that an individual did not pay on or settle. Im a victim and shouldnt go through this. I will get a lawyer if I have to. This has been going on too long and none of the credit bureaus seem to care. I need this fixed immediately it was done to hurt my finances. Ive disputed it countless times and havent received a positive result.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX 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 XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a charge in XX/XX/30 in a XXXX store for XXXX for a service that service that I found out that it was free after contacting the store. 

I dispute the charge with the credit card for a few reasons : -The service provide was free ( sim card for my second phone number ) according with the company after i called and confirm with them -It was provided a receipt at the store for what was being charged in my card. ( After the dispute they provide not for me, but to the bank the receipt -the store didnt tell before that that was a charge for the service. 
-After the dispute with the bank, the store is saying that they set up the phone with the number. They did not set up my phone. The only provided my the sim card. 


The bank refused to reopen the dispute.

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 2021-07-08
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XX/XX/XXXX XXXX : Request for Investigation/Removal of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from XXXX on XX/XX/XXXX and I noticed multiple unauthorized credit inquiries had been made. 

I contacted each company who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I also contacted all three major credit bureaus. 

I request that you initiate an investigation into the following inquires on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

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  All above inquires have been without my knowledge. 

Thank you XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-08-10
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
-- -- -- -- -- Original Message -- -- -- -- -- Hello, In XXXX the CFPB sued XXXX regarding the private loans issued under them and $ XXXX has been forgiven or discharged as it was created under fraudulent circumstances. I have received forgiveness for my federal loans, but have been diligently paying my private loans waiting for the news. As of that judgement in XXXX and a XX/XX/XXXX settlement of an additional $ XXXX in private debt, these loans should not be collected on any further. 

The XXXX opened these loans under false promises and threats, they committed fraud against the students, and by continuing to collect on these loans, Navient has opened themselves to liability in connection with said fraud. 

Please discharge these loans or provide me with information on how to do so. I have paid an additional 3 years after the judgments that should have erased the debt. Contact me.

_____________________________________ Response ________________________________________________________ XXXX, I understand your concerns regarding your Navient private loans and hope you find the following information helpful. 
At this time, only federal student loans disbursed to Corinthian colleges and XXXX XXXX schools have been approved for discharged under Borrower Defense to Repayment discharge claims. Unfortunately, private student loans disbursed to these school have not been granted discharge. For assistance with your available private loan options, please contact our Private loan specialist directly at the telephone number of XXXX. 
Best Regards, XXXX, XXXX XXXX XXXXXXXX Your loan servicer Your loans are serviced by Navient Solutions , LLC ( NMLS # XXXX ). 
ref : XXXX : ref

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
i had unauthorized transactgions on XX/XX/2021 frfom XXXX for XXXX. i also had requested for a refund for XX/XX/XXXX at the XXXX  airport for {$130.00}. My Bank of America account i disputed both ( 2 ) tranactions. While Bank of America ( BOA ) did their investigation the bank credits yoiur account for the amount of the tranaction. 

On XX/XX/2021 i looked at my BOA bank account and i was negiticve XXXX. I csall BOA customer Service at XXXX XXXX XXXX and i was transfered to the fraud/disputes department. I was explaining the situation to the agent and he was rude and eventually hung up on me. 

This is not the first time this has happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: SC
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting 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:
My report should not have a certain account on each report. Ive paid all that I owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is one of several times I've discovered that my credit report had inaccurate information. 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. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-08-10
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I had a membership with XXXX XXXX with my ex-wife in XXXX. I cancelled this account IN PERSON in XXXX of XXXX to the location at XXXX XXXX XXXX XXXX in XXXX XXXX. 

I continued to be billed $ XXXX x XXXX accounts for a total of $ XXXX for 4 years. 

Twice during that time, including today I have spoken with Chase Bank about this issue. Today, Chase initiated a refund and credit along with an investigation to see why the payments were allowed to continue. 

I did not pay close enough attention to my account, I suppose, but in the end, I not only followed the procedure outlined on XXXX XXXX XXXX website, but I also sent in a letter in XXXX of XXXX and followed up with a phone call to confirm receipt. 

I feel as if I am do my {$20.00} per month back from either XXXX at the time of the initial in person cancellation OR from the date of the letter in XX/XX/XXXX. 

This issue with XXXX XXXX is not isolated to me, it is a common issue and complaint with them. As a matter of fact, when I spoke with the representative at Chase this morning he shared a similar story experience that his mother had with them and they were demanding that she come in to a location in person to cancel and she had moved out of state to a place where there were no XXXX XXXX locations. 

XXXX XXXX continues to withdraw $ XXXX ( x 2 ) from my account each month and once a year they debit {$19.00}. 

This needs to stop, not just for me, but for others as well. You will find thousands of victims, I'm sure. 

When I contacted them today, they do not even have my membership still in their system YET, they continue to bill me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have called several times to try to reduce my payments from {$700.00} down to an affordable amount and they have not been willing to work with me. The interest on these loans are ridiculous and I cant keep up with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, 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'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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX consumer refusal to remove loan or take decision responsibility for despite AGO judgement order with conflicting and false statements with each inquiry or complaint for removal assistance. 

Please see official statement and documentation send to the AGO.

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