BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
Company: Block, Inc.
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have an old Cash app account and my friend sent me money to that account. I can't open that account anymore because the phone number I used fro log in is no longer in service. I chatted, emailed and called the their customer support but everyone has the same script and didn't resolved the issue. I asked helped from XXXX XXXX XXXX last XXXX XXXX and the Cash app agent replied through email and took us 4 days back and forth but still the same script, issue not resolved. I want my money back! I felt robbed by this company. How come they can not transfer my money from my old to new account? If these agents can not resolve this problem, how come the owner, CEOs and programmers of this app can not step up and resolve the issue? This is theft! My money is on limbo and there is no way I can get it according to their numerous agents I talked to. Please help me, I felt scammed by this company. The attachment is the final response of all the agents I talked to ( chat, call, email ) the same script! So who can approve and override the transfer if these agents can't? So I will just stop and leave my money in limbo? This caused me so much stress already. I am not rich unlike these people. Every $ helps me survive in this expensive State.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: ALLY FINANCIAL INC.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Purchased an A/C unit & installation through a Company that uses Ally Lending. Ally has a small window to make an " on time " payment when due. My due date is XXXX of the month. If payment arrives in the month due before that date, they process it as an extra payment. charge acct. with late fee because the payment didn't arrive on the XXXXthey may take 1-3 days to process it!! they have a consecutive 4day grace... not business days & they don't account for holidays. If it gets there on the XXXX of the following month its an extra payment! plus a late fee. Its a gamble of delivery! 
I receive pension funds on the XXXX of the month ( unless it falls on a weekend/holiday paid earlier ) SS on XXXX XXXX, paycheck every two wks on XXXX Funds aren't always available to send on a date to arrive on time! I've asked to change the due date to the XXXX or the XXXX answer NO. They are taking advantage of mail delivery & inter-banking delivery time to charge Late Fees.

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 2017-02-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I opened a premium savings account with Chase Bank ( where I already had a checking account ) and the representative told me the linked debit card included up to 4 fee-free withdrawals from non-Chase ATMs. When I asked him to clarify that these transactions would be completely fee-free he said " yes, no fees, it 's just like you are withdrawing from a Chase ATM. We cover all the fees. '' This oversimplification led me to believe I was being reimbursed for all fees related to the ATM draws. For a year and a half, I used this feature and was charged by the processing bank 's ATM for every single transaction. I recently noticed these charges and called to ask why my non-Chase ATM transactions still have fees associated. Though I now realize that these are fees charged not by Chase but by the banks that own the other ATMs, the banker 's oversimplification has cost me money for 18 months. They said they had no way to reimburse me for these costs. I feel that one of the main features that led me to choose this card was n't a real feature at all, and I 'm out of money just because this banker was imprecise. 

I 'll mention that he also set up my debit card incorrectly when he first issued it, and I did n't have ATM access for days, so it seems that he might not have had proper training.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
JP Morgan Chase Bank has been extremely negligent in processing several dispute claims I had previously submitted. It has been over 14 days since the initia submission of these disputes and I have not been provided with any credit while the investigation is underway. 

Per Claim Tracker via Chase Bank Mobile app, the following claims are open and still in progress... 

XXXX {$66.00} on XX/XX/2023 XXXX XXXX. {$32.00} on XX/XX/2023 XXXX XXXX XXXXXXXX {$120.00} on XX/XX/2023 MULTIPLE TRANSACTIONS {$25.00} on XX/XX/2023 Multiple Transactions {$10.00} on XX/XX/2023 Multiple Transactions {$26.00} on XX/XX/2023 This is not my first complaint with the same financial institution. Due to their consistent display of gross negligence and failure to abide by federal regulations which specify how to administer dispute claims I will be seeking legal assistance to initiate a suit in U.S. District Court for their insubordination, deceptive trade practices, and violations of Federal legislation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I encounter fraudulent activity on my account ending in XXXX. Now they are threatening to close my account on XX/XX/2016. But I ca n't make a deposit nor do I have a bank card, and I do n't want to put money into an account they have n't fix yet. if its fraud, I would like for them to post my credits. 
My current balance is $ -XXXX with US BANK

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 2022-11-05
Company: ERC
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: Report provided to employer without your written authorization

Complaint:
The creditor violating my rights I have the right to privacy, a consumer reporting agency, can not furnish my accounts without my written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently placed a fraud alert on my credit file that indicates anyone who runs my credit needs to call me. I have pulled my credit report and noticed that there are inquiries on my report that I did not authorize nor was I notified that my credit was being pulled and this action violates my consumer rights. I have reached out to credit bureaus numerous times about this situation to notify them that my credit was pulled without my authorization. I've contacted the creditors about these inquires and I was notified that they were in the process of being deleted.They have yet to be deleted. These inquiries are fraudulent inquiries and should be removed from my report. I have not received a proper response from XXXX about this matter. Only a letter stating their " definition '' of an inquiry, but no factual evidence that these were a result of my actions or that i was called before the credit was being accessed. Please remove 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 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 2017-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have contacted Transunion multiple times to inform them that they are reporting someone else 's Public Records information on my credit file. Some of these Public Records are outdated : XXXX was filed XXXX XXXX, XXXX and another was filed XXXX XXXX, XXXX. There are also XXXX others that are more recent but are not mine. I have also contacted the courts to see if they provided Transunion with this inaccurate information and they stated " No. '' Please see attachments. I need your assistance in getting this matter resolved and removed from my credit file.

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 2023-08-23
Company: Experian Information Solutions Inc.
State: MO
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:
Please delete this account from my report due to inaccuracy and inconsistencies in reporting because the 120 days past due shows XXXX on Experian, XXXX on XXXX, XXXX on XXXX. See attached screenshots as proof. 

This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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 explanation
Consumer complaint received 2022-11-05
Company: Park Hill Holdings
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Safe Rent Solutions denied my application for housing without running a complete and accurate report. Under the FCRA protections for Identity Theft Victims, no company is allowed to obtain a frozen credit report file without calling me to verify. 

I do not know what information was provided, I do not know if Safe Rent Solutions knows if they provided accuracy information. 

I tired calling to obtain a copy of my credit file. However was told I would have to provide my social security number, date of birth, address, phone number and answer security questions. This is not ok by me nor is it permissible under FCRA. 

Furthermore, upon Investigation of this company, whom which is according to the XXXX Safe Rent is a Non Accredited Business and under a major discrimination class act settlement. Specifically pertaining to denying minorities with housing vouchers credit screening. Ironically, I am a XXXX XXXX  with an Emergency Housing Voucher specifically for XXXX XXXXXXXX Victims.

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 2023-08-23
Company: Experian Information Solutions Inc.
State: MN
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:
Ive been trying to resolve an error on XXXX of the credit account on my credit report for over a year now. my XXXX account has been falsely showing that it was charged off. This account was never charged off and I actually paid this account in full on time. Ive disputes with XXXX and they responded to me by saying they are not reporting my account as charge off and that this is an error made by the credit bureaus. Ive disputed with Experian, XXXX, and XXXX and they all refuse to update the account to the correct status. This account is still to this present day causing my score to drop and I need this fixed asap. Its incorrect and has contributed to the difficulties of getting approved by any lenders for any type of financial loans.

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 2022-11-05
Company: AMERICAN EXPRESS COMPANY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I was reviewing my XXXX XXXX report and found that my credit score drastically went down. I notice that there were several unauthorize hard inquiries on my credit report. 

American Express on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX on XX/XX/XXXX When calling each incorrect companies I got the run around and transferred place to place without resolution. When speaking with American Express they did confirm that a new credit card was open and they have suspended - however I need confirmation that it was cancelled with no charges against my name and credit report. 
I need all of the credit bureaus corrected and all hard inquiries removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have reached out to experien many times to complain and to remove 3 inquires that i did not authorise and still have not done anything or removed them.

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 2021-12-15
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
It appears that the company is overcharging interst for purchases made. As the attached statements show purchases made at any time ( even the day before ) the statement closing date are charged a full month 's worth of interest on that charge on the next closing date whether it was purchased it one day before the statement closing date or three weeks ago. 
Over payments are not allocated to highest interest rate charges first, every single month my over payments have been applied to PAY OFF my zero interest promotional charges. So despite paying both my promotional payment and an amount necessary to pay off interest bearing charges before my statement closing date, they apply the payments ONLY TO THE PROMOTIONAL balances and charged me interest. When I called to dispute this the customer service rep was rude and absolutely no help whatsoever. 

On XX/XX/2021 when I called to inquire why promo balances are being paid off instead of applying overpayments to interest bearing charges, I was told that there is a drop down box on their website to choose to allocate my payment to my non-promo balance, I was literally on the website in the payment section while speaking with her and and there was no way to allocate my payment. She then told me the only way to allocate the payment is to call in and ask a customer service rep to do it. 

I had called on XX/XX/2021 and asked to pay off my promotional balance, the rep told me the amount to pay, took my payment ( XXXX ), then when I asked if I had a zero promotional balance he told me that it wasn't allocated to my promo balance and he would have to put in a request to apply it to my promotional balance and I would see it in the next 2 to 3 billing cycles which completely defeats the purpose of paying off a promotional balance to avoid interest charges. 

Today ( XX/XX/2021 ) I received the attached letter stating that they could not accomodate my request to allocate my payment because federal regulations require that over payments be applied to highest interest bearing charges first. Which is absolutely not how any of my payments have ever been applied considering they have been applying my overpayments to 0 % interest promotional balances.

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 2017-06-21
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I cancelled my contract with XXXX because my husband took himself off of our contract without telling me. I was being charged his monthly portion for six months even though he had the same number through them and still had an account they would n't move the debt for his phone he had n't paid off over that was XXXX and add the cancellation fees to it and the past two payments not made because I could n't afford it i was n't working. XXXX refused to work with me at all, but set me up with creditors to hassle me and call me all hours of the day all day to get their supposed money i owed them. They have branded my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Recently tried to buy a house and realized there are inaccurate unverified fraudulent damages under the name of XXXX XXXX XXXX IN THE AMOUNT OF {$2800.00} and XXXX XXXX XXXX in the amount of {$390.00} on my credit report. According to the 15 USC 1681 law these damages are defamation to my character. I have attempted to reach out to this company 3 times starting from XXXX if 2022 prior to this complaint to resolve this error and have only received a system generated correspondence. No proper investigation or proof/method of validation was provided.

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 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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