BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-09
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I ordered an XXXX online on XX/XX/XXXX. I used PayPal with confidence under their buyer protection promise. I was billed and then paid {$240.00}. No shipping information was provided. I filed a dispute on XX/XX/XXXX. A tracking number was provided by merchant. The item arrived not as described. A worthless phone case. I filed a claim and provided picture evidence. PayPal has been unhelpful and unresponsive in helping settle this case. I have been delayed and asked to file an internet crimes report twice. Which I have done. Still PayPal will not answer or provide me with information about the merchant or their buyer protection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2021-11-29
Company: Square Inc
State: CA
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 come to the conclusion that Cashapp is both negligent in their security and allowing my financial information to be sold and distributed to scammers. Not only is CashApp the only financial account that has been repeatedly been compromised, I have yet to get a clear answer as to why and how the debit card they issued and hasnt even been delivered to my address yet is being defrauded. 

I had noticed that multiple transactions were attempting to go through from obviously fraudulent sources ( ex : {$320.00} from a XXXX in XXXX Florida, {$30.00} from an entity titled XXXX XXXX ). For reference, I have never been to Florida and have lived in XXXX, California for the past year. I officially changed all my bank sign in information, including the PIN and password for Cashapp and reported the debit card as stolen on XX/XX/XXXX. I received confirmation that the debit card was canceled and a new one was being processed, so I assumed that with that confirmation from CashApp my account was secured again and was fine to remove the freeze on the card. On XX/XX/XXXX I received email confirmation from CashApp that the new debit card had shipped. On XX/XX/XXXX an entity claiming to be a XXXX in XXXX XXXX put two fraudulent transactions on the same debit card that was in the mail and yet to be delivered, {$150.00} and {$48.00} for a total of {$200.00} stolen from a debit card that was allegedly still in the mail. I immediately reached out to their support team and found them extremely lacking and unprofessional, there is not direct phone number so my case was reduced to chatting 5 different people and repeating the same information, they said all I could do was wait for them to respond within 10 business days. I have finally received an official acknowledgement of my case # XXXX, but they have not responded with how or when theyll return the funds and make sure that their system isnt compromised. Its extremely frustrating when a substantial amount of money is stolen electronically with information that I havent even received yet, and the XXXXashApp support team did nothing to soothe my anxiety or provide a solution. I dont understand why my CashApp debit card is being defrauded when my XXXX XXXX  XXXX account is fine, Ive only experienced fraud on my XXXX account once and it was immediately rectified. Which is why Ive arrived at my conclusion that it must be negligence on CashApps part, Ive never dealt with a financial institution that doesn't make a potential security breach and fraud a priority. My hope is that by filing this complaint CashApp will return the stolen funds as soon as possible and receive the pressure it needs to stop this criminal negligence and strengthen their support team so they can assist with the fraud that theyve allowed to run rampant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
- Applied for a home depot credit card on XX/XX/2021 and was approved. 
- Contacted on XX/XX/2021 that the credit card was returned due to an issue with my mailing address - Contacted both home depot credit card services and citi card services on XX/XX/XXXX attempting to verify my account and obtain a replacement credit card. They were unable to verify my account using my only phone number, a cell phone number. They are requiring verification of the address using a physical bank letter - normally this is fine but I'm traveling for 4 months so I have no access to my mail until XX/XX/2021 As a result I have no way to verify my account, obtain a replacement credit card, or setup payments on this account. Filing this complaint because I have debt on the credit card that I have no way to pay off because of bad bank KYC policies.

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 2020-05-25
Company: EQUIFAX, INC.
State: AR
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:
Since XX/XX/2020 I have been in a constant resistance from the credit bureaus and collection agencies involving none responses from disputes stemming from myself who has been a victim of identity fraud. FTC report # XXXX and report # XXXX included specific, detailed, information regarding fraudulent related accounts appearing on my credit report. I have not received any correspondence in regards to claim and it has been well over 30 days. There are several fraud related collection accounts that are appearing randomly on my credit report without me have receiving any INITIAL 5 DAY NOTICE of a collector obtaining a debt. In addition XXXX, Equifax, and XXXX   has not removed the FRAUDULENT ADDRESSES from my credit file as per requested either which is a deliberate refusal to honor a consumers request. XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX  are some of the accounts that were opened due to identity fraud that still remain on my credit file. Under the Fair Credit Reporting Act and Fair and Accurate Credit Transactions Act per sections 605b, 609, 611, & 623 my rights have been violated. I am familiar with the law due to my own research so accusing me of using a credit repair company is unjust and won't hold up in court. Your data furnisher or metro 2 verification system only uses general information in formats of codes ( name, social, date of birth, address ) meaning any individual with access to that information would be able to pretend that they are me and easily commit identity fraud. Since XXXX, Equifax, and XXXX has all violated my rights and I have specific proof, I've given them the opportunity to remove these accounts or my information will be forwarded to a consumer attorney for legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank charged almost {$400.00} in overdraft fees in a period of 3-4 days, then kept a {$420.00} child support payment from the state of Texas office of the attorney general. Bank of America agreed in a class action settlement not to charge any overdraft fees, and this is exorbitant and unfair.

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 2018-03-07
Company: SUNTRUST BANKS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have hard inquiries that I never had authorized..

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 2020-07-12
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Cash app was contacted on XX/XX/XXXX XXXX about a XXXX dollar and a XXXX dollar Bitcoin transaction that was a scam I was involved in they didn't reply to the email for two days in which they told me they could not issue out a refund because the Bitcoin had already been processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: CITIBANK, N.A.
State: TX
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:
On XX/XX/XXXX, a fraudulent purchase was charged to our account. We protested, Citi sided with the vendor. We protested again and have spent hours trying to make Citi understand. We filed complaint # XXXX with the CFPB on XX/XX/XXXX. Citi responded by stating " ... .we determined the {$4900.00} purchase on XX/XX/XXXX was fraudulently made ''. We thought this meant we would not be charged. 

Citi notified us yesterday that it is again allowing this fraudulent charge to go through our account. I want this case reopened because they lied when they responded to the CFPB and are siding once again with the vendor, who processed a fraudulent charge.

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 2020-11-23
Company: CITIBANK, N.A.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Response to complaint id XXXX. 
My employer did not receive any funds back from Citibank after my account was closed. The missed funds are in the amount of {$5300.00}. 
if citi bank really reverted the money back to employer till now they should receive right. its been more than 5months. please give me proof or confirmation of date time and transaction number details to track. If citi bank didn't reverted money back to my employer, please do now without any more delay and provide transaction details. 
please find attachment the response i got from my employer regarding money. 

my employer Email : 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 monetary relief
Consumer complaint received 2018-09-26
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:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018, I sent Equifax several letters requesting that send me the results of an investigation, they completed involving inaccurate on my credit file. One response they sent back stated that the " Public Record was not reporting ''. The unauthorized inquires they stated they were " accurate '' and if I believed them not to be then I needed to contact the creditor. 1. I never received the information on how they verified as requested. Then I noticed that the public record was re-added to my file without notification. This is a clear violation of the FCRA and a blatant disregard for the law. I would like my file to updated and negative items be removed within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
My identity was compromised and the attached credit cards were created without my knowledge and charges were made, all without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Merchants and Medical Credit Corporation, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently checked my credit report and seen that I have a collection claim on my account from M & M Credit for {$680.00} however, I have never done any business with this company and dont know why or how this is popping up on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX & TRANSUNION IS REPORTING LATE PAYMENTS FOR AN ACCOUNT WITH XXXX XXXX XXXX FOR XX/XX/XXXX & XX/XX/XXXX. I HAVE NOT ONLY ATTACHED A STATEMENT FROM THE CREDITOR SHOWING THAT PAYMENTS WERE MADE. XXXX & TRANSUNION HAVE YET TO UPDATE MY CREDIT REPORT TO RETRACT THE LATE PAYMENTS. SEE ATTACHED.

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 2020-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020, I received unemployment benefits. I went to the Bank of America ATM to withdraw cash. As soon as I was about to withdraw, they didnt have the denominations I wanted to I canceled the transaction. NO CASH was dispensed. I move on to the next ATM, and as I was about to withdraw, it said I only had {$4.00} left. I check my bank statement and it said I made a withdrawal or {$680.00}. I havent even received any dispensed cash or made a complete withdrawal yet. The bank made aN ATM error and doesnt want to resolve it. They said they were gon na investigate it, when I should be investigating them. I was hoping this government agency can help me resolve this issue and stop letting the banks go unchecked.

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, has violated my rights. 15 U.S.C 1681 section 602 A. States i have 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

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 2020-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX ... original Creditor XXXX XXXX This Debt is 10 years old .. it just recently showed up on my XXXX XXXX account i have disputed it because its to old to show up now ..The credit bureau will not remove it even after i proved this account was opened in XXXX and its past the The Ohio statute of limitations & Fair credit reporting agency ..Even if i owe the bill They can not legally report it after 7.5 years is up They waited almost 10 years to report it and is also charging Interest while showing in my Transunion report showing a open balance and it keeps going up ... ..currently The collection shows XXXX showing opened XXXX .. This account was opened.. XX/XX/XXXX Last Payment made XXXX Because they would not honor There warranty for furniture I told them to pick up There Merchandise They refused.. I want this old account taken off my credit report ..IT 's to old Legally to be reported after 7.5 years and its been over that from the last payment ..when account first went to collection ..180 days of the date consumer first falls behind on a payment ... fair credit reporting act.. facts This company waited till XXXX to 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 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
In the last 90 days I have tried on multiple occasions to remove my inaccurate information from this credit company with no success. I send proof this information is reporting incorrectly and nothing gets done. I will attach a list of inaccurate items to this complaint that need to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Capital Accounts, LLC
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:
this alleged collection agency Capital Accounts never sent me any letter or notice of medical debt yet they continuously report it on my credit report they Will does not send me Original Contract or 1099-OID Original issue discount or any contract showing them as a beneficiary of any debt in case of default, shows a balance and past due balance and its in the collection which is a violation and multiple inconsistent statuses dates Furthermore after pulling my report on 3 different bureaus the alleged collection account reports wrong on each on no respect to the Metro 2 reporting standard. I want this dispute forwarded to member os the Metro 2 Task Force so they can probably see The Credit Bureaus Failure recognize this alleged collections inaccuracy and verifying it even though its obvious no investigation took place.

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 2023-02-24
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I have only ever used Venmo one time in XX/XX/2021. I paid my friend XXXX back for Thai food. I tried to use Venmo last year to send my sister money but found my account was suspended for violation of their acceptable use policy. I've been unable to load their acceptable use policy on any device, but I can't imagine I broke any rules. My only transaction was paid without issues. They refused to unsuspend my account last year, claiming I was in violation. I'm trying again but can't understand how I'm even supposed to get my account cleared. There are no instructions anywhere. I sent a generic help request for lack of a better path.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: JPMORGAN CHASE & CO.
State: NY
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:
on XX/XX/XXXX I was reached out by a potential employer under " XXXX XXXXXXXX XXXX '', they had all of my information ; address, name, a phone number. I was told to deposit a check in the amount of {$4900.00} which was mailed to me via USPS ( tracking # XXXX XXXX. The check arrived on XX/XX/XXXX and was deposited to my account by me on the same day. On the XX/XX/XXXX, the check was CLEARED by the bank and funded into my account. I proceeded to believe this possible employer after the bank made funds available, the instructions were to withdraw {$4200.00} from the account and keep {$750.00} as payment for the week. Once the money was withdrawn I was to deposit the money in cash to a XXXX XXXX under account # XXXX under the name XXXX XXXX an alleged orphanage leader. The same night on the XX/XX/XXXX the check was returned and labeled Altered/Fictitious by the bank. I submitted a police report on XX/XX/XXXX ( report # XXXX ) and I was told by the bank branch near me to submit a report first before making a claim, something that I did immediately. I was given a phone number to which I called and was made feel as if I were a criminal, the bank representatives refused to help or take any further action with the police report number. All I was told was that my account was going to be shut down and I would never be able to do business with Chase again. Furthermore, after escalating the call to a manager, I was hung up on 3 times. I was never irate or disrespectful, I was only trying to understand the justification for their acts. One rep on a recorded line told me that sometimes checks like these " slip '' through the system. Should I bare all of the responsibility when I trusted the bank to authenticate and fund me transactions that are legitimate? I was given no further word from the bank, only a request for full payment and threats of never being able to open a bank account again " We are a financial institution, not a charity ''.

Company response to consumer: Closed with explanation