BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-14
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/2023 Attention : Square XXXX Department & Customer Service : Square has misappropriated over {$20000.00} in my funds by locking my account XXXX and then refusing to further engage with me via my account service contact ( likely because it has been using a bot to respond rather than a person ). This is severely damaging my business, which relies upon access to those funds. Those funds are held in trust, and Square is both in breach of its contract and has committed unjust enrichment, as well as a failure to meet the duty of good faith and fair dealing. 

I am continuing to try and resolve this in good faith and through direct communication. Please have an account representative correct this matter promptly and restore my access. If an account representative is unable to act, please forward this to your legal department, as they should, at a minimum, recognize the wrongful conduct committed by Square and act promptly to avoid legal costs. 

My professional photography business, XXXX XXXX XXXX XXXX, operates seasonally. My business is licensed by the XXXX XXXX XXXX. I have been utilizing Square to receive payments for my photography services, and Square held a substantial balance of my funds as of XX/XX/2023. Without making any attempt to contact me about any concerns, Square suddenly deactivated my account. Square then claimed it did so because my account could not be verified, and refused to further engage with me. All while keeping all of my funds. This is significantly impacting my ability to operate my business and to pay contractors for their services. 

Either this is a simple mistake that has not been brought to the attention of the right people, or a deliberate policy of theft. Based on a cursory review of online complaints, many others have been forced to deal with the same issue. If this is a deliberate policy action, it may be that a class action is the only recourse to obtaining justice for both myself and to ensure that others like me dont have to suffer the same issue. But I do hope this is just an oversight and not a policy issue, and that it is resolved promptly and fairly once this notice has your attention. 

Please release the amount of {$20000.00} from my account. You may contact me at XXXX or by phone at XXXX. This is my final attempt to resolve this through direct discussion. I hope you act accordingly. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-09-14
Company: Transcontinental Credit & Collection Corp
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:
Lost of credit line on credit account closed accounts due to credit lenders balance too high on accounts even when I given double payments amount of debt way too high XXXX in debt have always kept accounts in good standings fees on cash advances when I dont use cash advance features credit score at XXXX but why just wondering why so many negative reports 100 % payment rate wondering who is XXXX XXXX   and also pay off a XXXX loan with interests sad thing no credit for it on credit report may my matter be looked in to please not in need of new cards but I pay on time thank u for ur time incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
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: Account information incorrect

Complaint:
I have submitted this complaint multiple times and will continue to do so until resolved by you and them. The account is joint with my husband and hence we SHOULD reflect the same information on ALL credit bureaus reporting agencies and both of our accounts. The issue remains that XXXX was required to close the account due to the LAW and noted it was closed by us because THEY had a security hold on the item we borrowed against. That precluded our gaining a mortgage acceptance along with the incorrect credit reporting severely handicapped our ability to refinance our debts. We remain with very low FICA scores.

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 2018-07-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Online access to my funds has been restricted. Chase Bank is causing a hardship by restricting my livelihood and access to my funds for daily life. I live in XXXX so I can not go into a branch to clear this up which is the only option they have offered to me. On XX/XX/XXXX I used a bank product to send funds to my son in the US. The payment was canceled when he didn't respond in time and caused, it seems, my access to be restricted. Since then I have spent over 3 hours each call trying to get this cleared. On XX/XX/XXXX when I asked the operator for a moment to check on a date for an answer, she refused and said the only solution was to go into a branch. She also seems to have noted that I was not able to answer a number of questions correctly, which is not true. I know there are other ways to resolve this restriction on my account that don't require I go into a branch,, since something similar happened about a year ago and they took measures to clear my name without a visit to a branch. I need help to find a solution and get access to my account as soon as possible if I am to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: PNC Bank N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/18 sent {$200.00} to scammer. Noticed same day it was not a good sale. Tried to request money back XX/XX/2018. No luck from scammer. Called my bank XX/XX/18 to dispute they stated it would take 10 days for a result. Called XX/XX/18 to check status bank stated they found no error and sent paperwork explaining why on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had two accounts that were with XXXX. I disputed them both. XXXX removed one of the accounts from my credit and sold the other to an agency. I paid that account off and they removed it from my credit. A few months later the other account was sold to another agency and put back on my credit. I called to get the account resolved. They said that it would not be listed as a collection account if I paid it. They said it would show settled in full with a XXXX balance. The account has been updated to paid but remains in collections. I was told that it would be fixed, then I was told it will not be corrected, and then I was sent to a manager voicemail that has not called me back. The company lied to me and hung up a few times. They apologized but the account has not been fixed. Now I am requesting that the account be removed from my credit since it has been paid and the company lied as a way to get me to pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions 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:
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 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 2022-11-19
Company: EQUIFAX, INC.
State: AL
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:
Equifax has violated my rights as a consumer Ive filed complaints several times I have even filed a identity the report Equifax has unauthorized inquiries on my credit report that does not belong to me and they need to be removed immediately! 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
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:
COLLECTOR IS STILL ILLEGALLY REPORTING TO ALL BUREAUS IN VIOLATION OF FCRA ETC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX 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 2021-04-02
Company: GOLDMAN SACHS BANK USA
State: MI
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX {$500.00} $ I did dispute from last year these charges theyre sprite transactions but the same merchant and they did not accept to refund me the amount And theyre from XXXX XXXX, because i cancel the service thats why and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Experian Information Solutions Inc.
State: NV
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:
Dear CFPB I am seeking help, my rights have been violated as per 809.Validation of debts Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 809 by XXXX XXXX XXXX. I sent a letter of validation in response to the letter notice of payment by XXXX XXXX XXXX XX/XX/XXXX I sent the response letter on XX/XX/XXXX and have not received a response back as per 30 days. I sent a second letter of non-response XX/XX/XXXX. XXXX XXXX  XXXX failed to respond to my letter and has since now to put erroneous and inaccurate information on my credit report. XXXX XXXX XXXX XXXX has failed to report to Experian that this matter is in dispute and by law can not pursue any credit reporting agency until the matter is resolved. XXXX XXXX XXXX has not validated this debt as per required by the fair credit reporting act section 809. I have Proof and certified mail of the timeline which shows the violation. Since they are violating the law and have not proven that this debt is mine I am requesting that all information passed on to any credit reporting agency should be removed.

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 2022-11-19
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:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 Section 2 stares a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681C. ( a ) section 5 states no consumer reporting agency may take 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.S-2 ( a ) ( 1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
Hello, I applied for the new Personal American Express Gold Card on the XXXX of XX/XX/XXXX through the website. The promotional offer that I applied with was the following : XXXX American Express Membership Rewards Points after spending {$2000.00} or more within the first 60 days of account opening. The website explicitly called out this offer and confirmed that I was approved for the card with that promotional offer. The website DID NOT call out that I was INELIGIBLE for this offer. I also satisfied all the conditions listed out on the application page to qualify for this offer ( including but not limited to " not having received the bonus on this card '' previously in my lifetime ) I received the card and started making purchases on it in order to meet the goal for the promotional offer. Between XX/XX/XXXX and XX/XX/XXXX ( 60 day period ), I spent {$3100.00} in eligible purchases towards this offer. 

In XXXX XXXX, I called Amex to inquire about the missing promotional points. At this point, I was told by the Customer service agent and her manager that I was INELIGIBLE for this offer. She confirmed that I was eligible for the offer when I applied but I was marked ineligible to receive this bonus on or around XX/XX/XXXX by the Membership Rewards team for reasons unknown. 

Upon questioning why this was not communicated to me immediately after the decision was made, she tells me that it is AMEX policy to not communicate these things out until the customer asks for it.

To be clear, this " rejection '' decision was not communicated to me proactively in any form until I explicitly asked for it. Amex was perfectly happy to let me spend money while knowing all this while that they weren't going to honor my promotional offer.

They offered to open a support case to investigate this and have NOT gotten back to me in over 2 months with any resolution.

Problem 1 : Incredibly misleading advertising of the promotional offer and its eligibility conditions on the credit card application page and refusal to honor the offer that I was explicitly approved with Problem 2 : Shady business practice of silently refusing to honor the offer and not proactively communicating a decision that would actively affect my spend with them.

For context, I've been a customer of Amex for 8 years now with a perfect track record of paying bills and I've been treated like dirt in this case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-09
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I mailed a written request to my mortgage company Nationstar requesting stopping my mortgage insurance payments. They acknowledged the receipt twice. It has been over six months and they have not made any further contact regarding my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've contacted the 3 major credit bureaus on several occasions informing them that the personal information that they are reported on my credit report is incorrect and inaccurate. I have yet to receive any response or see any change and/or update to my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: U.S. BANCORP
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: Problem with customer service

Complaint:
A payment that was supposed to be for the minimum amount was processed for the full amount of my credit card balance, which put my checking account into a negative balance causing me to incur several negative balances. After speaking to several reps and supervisors about the refund I still haven't received the refund but the balance has been put back on my credit card. I have no idea when they will refund me. And the last supervisor I spoke to hung up on me and said I can split hairs anyway I want but a check will be mailed to me he also said I made a payment and didn't even have the money in my checking account to afford the payment which I mentioned was why that payment was never meant to be made in full. He also said he could see from the computer system that I made an online payment ... .that 's incorrect I ONLY make telephone payments.

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 2018-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On my transunion credit report it doesn't show my XXXX limit as XXXX $ but it instead it shows my old limit. i have a XXXX and XXXX XXXX credit card which i cant see on my 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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
checking my credit report a lot of information is invalid on my transunion report. I am interested in disputing all of the incorrect data that Is hendering my file to be corrected.

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 2018-07-21
Company: WELLS FARGO & COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
On XX/XX/2015 I filled a police report to report that several checks that was issued to me from Child Support were missing and they were cashed. I was told by the State of Florida Disbursement Unit that I could file a complaint with Wells Fargo Bank to investigate what happened to the checks because I did not received them and they were cashed by someone else. I filled a notorized complaint XX/XX/2015 and sent to Wells Fargo Bank the missing check numbers and amounts were furnished to me by the State of Florida Disbursement Unit. I sent the paperwork to Wells Fargo Treasury Management Fraud operations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX. I called Wells Fargo numerous times and I was told that I had to get a case number from the State of Florida Dispursement Unit. When I called them they didn't know what I was talking about. So far I have not got anywhere with these 2 agencies. I have the check numbers and amount that were cashed. I really cant understand why no one can help me. I am filing this complaint in hopes of getting a resolution.

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