BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-14
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX, I was looking over my debit card accounts, ( XXXX, XXXX, and Cash App ), so that I could pay a few bills and I noticed the {$400.00} I had transferred to my Cash App account balance was now saying {$94.00}. I immediately contacted them through their Chat to find out what happened to my money and was told to fill out the dispute form. I submitted the form and not even 24 hours later received an email saying my dispute was being denied due to the merchant showing the transaction as captured, whatever that means, and if I wanted a copy to request it along with the reference number I was given at the end of the email. I requested a copy of this quick investigation and have yet to receive it but am still being denied a refund! Like I told Cash App, it doesn't make sense for me to transfer {$400.00} from one debit card to another only to withdrawal it all hours later when I could 've just withdrawn it from my XXXX account to begin with!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Pinnacle Credit Services, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Pinnacle Credit Services has been reporting a {$2700.00} collection account on my credit report. I have never had any business with Pinnacle Credit Services. I realize this is a debt collection company. As such, numerous times I have requested validation of this debt. I have been told that they are not required to provide debt validation. I have disputed this transaction several times on my credit report through XXXX. XXXX has not been helpful in having this item removed from my credit. I have sent them verification of a certified letter I sent Pinnacle Credit Services requesting validation of the debt, or to have it removed from my report. Yet I 've received no response from Pinnacle Credit Services. I do n't even know which company this alleged debt originated with. I believe at this time that this should be removed from my credit report as they have frequently broken the rules of FDCPA by refusing to send me any verification that this debt is valid and that they own this debt. I have no direct contract with Pinnacle Credit Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: KEYCORP
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Key Bank has been sending me Commercial Loan Statements and Demands For Payment regarding loan # XXXX, amount {$4600.00}. I have several times asked Key Bank representatives for a history of this loan, for all supporting documents, including all statements and payment records, and I have received no documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: AMCOL Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Original Creditor Name : XXXX XXXX XXXX XXXX Opened XX/XX/2017 for {$890.00} Opened XX/XX/2017 for {$310.00} Opened XX/XX/2017 for {$210.00} Called the XXXX XXXX about details for the charges, receptionist stated to call debt collection agency as it was already transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
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: Was not notified of investigation status or results

Complaint:
Please respond to my complaint. I am authorizing that I am XXXX XXXX XXXX. Please do not mark this as a duplicate. I sent XXXX, Equifax and XXXX a FTC ID Theft Report dispute asking for verification of all disputed accounts, incorrect or fraudulent personal information, unauthorized inquiries and the method of verification to be sent to me. I have attached the FTC ID Theft Report & proof of service. The FTC ID is # XXXX. 
As of today XX/XX/2021, I have not received any proof of validation or any written Method Of Verification from XXXX. I have fully investigated my rights in this matter. This is in violation of my consumer rights under Section 611 ( 6 ) ( a ) of the FCRA, which states that a consumer reporting agency shall provide written notice to the consumer of the results of the reinvestigation no later than 5 days after the completed reinvestigation. It also violates my rights under Section 611 ( 7 ) of the FCRA that states a description of the reinvestigation procedure shall be provided no later than 15 days after receiving a request from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Please respond to my complaint. I am authorizing that I am XXXX XXXX XXXX. Please do not mark this as a duplicate. I sent XXXX, XXXX and Transunion a FTC ID Theft Report dispute asking for verification of all disputed accounts, incorrect or fraudulent personal information, unauthorized inquiries and the method of verification to be sent to me. I have attached the FTC ID Theft Report & proof of service. The FTC ID is # XXXX. 
As of today XX/XX/2021, I have not received any proof of validation or any written Method Of XXXX from XXXX. I have fully investigated my rights in this matter. This is in violation of my consumer rights under Section 611 ( 6 ) ( a ) of the FCRA, which states that a consumer reporting agency shall provide written notice to the consumer of the results of the reinvestigation no later than 5 days after the completed reinvestigation. It also violates my rights under Section 611 ( 7 ) of the FCRA that states a description of the reinvestigation procedure shall be provided no later than 15 days after receiving a request from the consumer.

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 2020-02-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX INCORRECT BALANCE of {$1400.00}. I HAVE SETTLED AND CLOSED THIS ACCOUNT.

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 2017-10-06
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal has refused to refund a fraudulent transaction not undertaken by me the account holder. Both Paypal and my attempts to contact the receiver have been met with no response and Paypal insists that there has been no fraudulent activity on my account and has closed my case. I am now out {$XXXX} which I am unable to get back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: OH
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 been a victim of identity theft. My information was involved in the XXXX XXXX XXXX and I have a number of fraudulent inquiries on my report that I need removed immediately. This is my written consent to remove the fraudulent inquiries/accounts. The accounts are unauthorized and I received no benefit from the accounts.

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 2018-01-10
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Notified XXXX XXXX on XXXX that negative item was placed on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Requested XXXX XXXX to remove incorrect information off my credit report. More importantly, XXXX XXXX are in violation of FACTA section 623 ( A ) ( 7 ).  Never received any mail from 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 2017-12-27
Company: SERVICELINK LOSS MITIGATION SERVICES
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am a first time home buyer and I went under contract to purchase a property serviced by A bank on XX/XX/XXXX who used XXXX XXXX XXXX XXXX as the closing/escrow agent. As part of my due diligence, I ordered an Inspection ( {$400.00} ), Termite Inspection ( {$50.00} ), Structural Engineer Report ( {$500.00} ), and Appraisal ( {$450.00} ). I also placed earnest money deposit of {$1500.00}. My closing date was scheduled for XX/XX/XXXX. A tax lien was discovered on XX/XX/XXXX by my Lender and NOT the title company, and it was communicated to me by my agent on XX/XX/XXXX that the property had been acquired through XXXX and that the foreclosure had never been done to wipe out the lien. I was left having spent money on a property I could n't purchase due to the sellers lack of due diligence prior to placing the property on the market. I requested to have earnest money refunded to me, seller agreed to reimburse me the full {$1500.00} earnest money. I received the check from XXXX XXXX XXXX  who had apparently charged me for a survey that they never asked for permission to order/charge me for. They reduced the amount of my earnest money by {$420.00} to pay for a survey I never gave approval for. I have tried to call to discuss this with the agent who ordered the survey but she does not return phone calls. I am requesting assistance in getting my {$420.00} refunded for a survey on a property that the seller had no right to market as available for purchase and the Closing agent ordered/charged for products they never cleared through the party incurring the charge. The sale fell trough due to the sellers lack of knowledge of their own inventory, so I should not be held responsible to pay for a survey I never ordered and now have no use for through no fault of my own. I believe this error is on XXXX XX/XX/XXXX due to not obtaining approval to order the survey prior to doing so then charging me for it with no notice. Also, the invoice I received doesnt even have my name on it as the buyer so this feels inappropriate to charge me for.

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 2021-11-06
Company: CITIBANK, N.A.
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2021-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX I received an alert via XXXX  that a new collection account had been added to my file. I have a stellar credit rating and no collections. I immediately contacted the credit agency and spoke to the fraud dept. where there is a police report and affidavit on file. XXXX XXXX XXXX states I owe a debt for an account that was not authorize by me and being that all of my identifying information was stolen I have no idea how they are claiming this is my debt. The address that the account was opened is no account that has ever been associated with me. They have not sent me anything that validates the alleged and FRAUDULENT debt to be mine. These debt collectors have no integrity and clearly will lie to gain money.. the fact that all the credit agencies have the police report on file and the affidavit this should have been removed within 72 business hours or less upon them being notified this was FRAUD. instead they have continued to allow this to create a hardship. During these unprecedented times there should be a willingness to adhere to the fair credit reporting act in addition to the information they have on file which after my research covers the FRAUDULENT ACCOUNT. i have also filed a report on said company with the CFPB. 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 2021-11-07
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account has been disputed over 3-5 times as inaccurate, i sent multiple letters to have this information updated. This account is still being reported in error. I have sent several letters with no resolution on the creditors behalf

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 2020-11-10
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LA XXXX XXXX XXXX XXXX, XXXX  LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$4400.00} XXXX  CARD XXXX {$4600.00} XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXXXXXX {$2500.00} XX/XX/XXXX XXXX {$3400.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2021-09-13
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:
THIS PROBLEM I HAVE IS WITH THE CREDIT AGENCIES NOT FOLLOWING THE FCRA THIS HAS BEING GOING ON FOR YEARS. 
I SENT A LETTER TO THE COURT ASKING THEM DO THEY REPORT TO THE CREDIT BUREAUS AND THEY RESPONDED THAT " WE DO NOT REPORT TO THT CREDIT BUREAUS! WHICH I SENT THIS LETTER MULTIPLE TIMES AND ASK THEM TO VERFIY WHICH THEY JUST IGNORED ME. 
THEY COULDN'T VERIFY IT BUT THEY REFUSED TO DELETE IT. 
WHY HAVE LAWS IF THEY ONLY APPLY TO CONSUMERS AND NOT COMPANIES. PLEASE 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 2020-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One Bank XXXX : I was not late on this. I have never been late on this account. I pay through the app for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: PA
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:
This Inquiries in not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents 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 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 convergent account # XXXXXXXX XXXX XXXX XXXX violated my rights on XXXX X XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. STATES I HAVE THE RIGHT TO PRIVACY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS THESE ACCOUNTS VIOLATED MY RIGHTS AS WELL ACCOUNT # XXXX SWISS COLONY XXXX ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2019-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I purchased a vehicle in XXXX of 2018 and acquired a loan through XXXX XXXX XXXX. 

After noticing a {$2500.00} warranty was added to my contract that, I did not want, I contacted the dealership and they deducted the {$2500.00} warranty cost off my contract and resubmitted the loan information to XXXX XXXX XXXX. 

My credit report now shows that I have two open vehicle loan accounts with XXXX XXXX XXXX : The original loan for {$35000.00} that should have been voided. 
And the current loan that has a balance of {$29000.00}, which is the correct loan that I am currently paying off.

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 2021-06-10
Company: FISERV INC.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX I also contacted clover which is my machine carrier for the way the merchant First Data has treated this situation and still yet have not heard back nor has the situation been resolved Subject : FIRST DATA MERCHANT ID XXXX I OPEN A MERCHANT ACCOUNT FOR MY SMALL BUSINESS I JUST STARTED AND WHEN ACCOUNT WAS OPEN SALES REP DID NOT ADVISED ME OF MY LIMITS I HAD SET ON THE ACCOUNT SO MY XXXX STARTED TO INCREASE AND FIRST DATA STOP PROCESSING ASK ME TO VERIFY SOME INFORMATION I WHICH I DID HOWEVER I HAD PRIOR OVER {$8000.00} THAT THEY WAS HOLDING I KEPT CALLING THEM WHICH WAS UNSUCCESSFUL I WAS TOLD TO LEAVE A MESSAGE WHICH I DID AS WELL AS SENT EMAILS!! NO REPLY I WAS THEN CONTACTED BY A REP WHO TOLD ME MY FUNDS WOULD BE RELEASE I 3DAYS EITHER WAY I WOULD GET A EMAIL HOWEVER NONE OF THAT HAPPEN I AM STILL AS OF YET RECEIVE MY MONEY WHICH IS VERY DISGUSTING ESPECIALLY FOR THIS TO BE A PROFESSIONAL COMPANY AND AS IM DOING MY RESEARCH I SEE THIS IS WHAT THEY DO HOLD PEOPLE MONEY AND DON'T SEND IT TO THEM EACH REP I SPOKE WITH ON EACH SIDE CLOVER ( OR FIRST DATA ) HAS BEEN UNPROFESSIONAL OR UNABLE TO TELL ME ANYTHING! 'M FILING A COMPLAINT TO SAY I NEED MY MONEY BACK THIS IS ABSURD TO BE TREATED THIS WAY ESPECIALLY SINCE FIRST DATA HANDLES MY OTHER MERCHANT ACCOUNT IN WHICH I'M LOOKING FOR ANOTHER MERCHANT AS WE SPEAK I CAN NOT AND WILL NOT DEAL WITH THE UNPROFESSIONAL! AND I FEEL I AM BEING DE-FRAUDED OUT Of my money

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 2017-10-30
Company: Penn Credit Corporation
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Penn Credit Corporation is a third party collection agency who collects for online Pay Day loans. 

XXXX is the phone number that belongs to the collection agency. They have been calling me at work non stop 3-4 time per day. Same as my cell phone. The do n't leave a message but my business phone is being tied up when they are calling me. 

The even try calling from an unknown phone number that shows no caller ID and even use their personal cell phones to get me to respond. I may be filing bankruptcy and this harassment has got to stop. I have them blocked on my cell phone but I can not block them from my work phone.

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