BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: Block, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
my tenant ' XXXX app wasnot working and he had to send me money through cash app on XX/XX/XXXX. 
cash app system doesn't allow me to link my bank acct after many correct tries inorder to transfer it for free in XXXX  days. but they do allow bank atm card which in this case you can only choose instant transfer for {$22.00} fee. 
i tried to ask for help with no result, they are blaming my bank, but i do this often with XXXX with no problem at all. 
i need to get my money back and i dont want to pay any fee according to their own rule. i dont know what else to do. 
please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
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: Their investigation did not fix an error on your report

Complaint:
I FILED A DISPUTE ABOUT THE TWO BANKRUPTCY ON MY CREDIT REPORT. I SPOKE TO THE COURTHOUSE CLERK. SHE EXPLAINED TO ME THAT THE COURT SYSTEM DOSE N'T REPORT ANYTHING TO THE CREDIT BUREAUS.

IT IS A THIRD PARTY THAT REPORTS THIS TYPE OF ACCOUNT. ON MY CREDIT REPORT THE REPORTING COMPANY IS THE : XX/XX/XXXX {$0.00} Dismissed Overview Reference Number XXXX Date Filed XX/XX/XXXX Classification Bankruptcy Type Chapter XXXX Bankruptcy Responsibility Individual Asset Amount XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Institution Information USBK COURT XXXX GEOR XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX ( XXXX ) XXXX Chapter XXXX Bankruptcy : Bankruptcy XX/XX/XXXX {$0.00} Dismissed Overview Reference Number XXXX Date Filed XX/XX/XXXX Classification Bankruptcy Type Chapter XXXX Bankruptcy Responsibility Individual Asset Amount XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Institution Information USBK COURT XXXX GEOR XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XX/XX/XXXXXXXX ( XXXX ) XXXX THE COMPANY THAT IS SUPPLYING THIS IS XXXX, I HAD ALSO CALLED THEM AND ASK THEM TO REMOVE ME FORM THERE DATABASE OF INFORMATION. STILL NO HELP. 

THE CREDIT REPORT NEED TO SHOW THE CURRENT COMPANY. THIS NEEDS TO BE REMOVED FROM MY CREDIT BECAUSE THE REPORTING COMPANY IS INCORRECT ON MY CREDIT REPORTS.

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 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TO whom it May Concern : Also XXXX website is down to file disputes for the last 3 weeks MUST BE REMOVED Did not have my WRITTEN CONSENT RE : 15 USC Section 1692C -NO RESPONSE FROM : Transunion XXXX XXXX and XXXX or the creditors and no actions Sent to all of them Section 604 15 U.S. Code 1681 B This law states that the credit reporting agencies ( TransUnion XXXX XXXX XXXX and XXXX ) dont have the right to report anything on your credit report without your written consent which you do not have that right I am disputing the- referenced debts below. Please verify this debt as required by Fair Debt Collection Practices Act. 

Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies inform them that this debt is disputed and ask them to delete this from my record report reporting information that you know to be in accurate or failing to report information correctly violates the fair credit, reporting act. The law states these items need to be removed within 4 days of receiving our complaint. 
Aside from verification of the debt, do not contact me about this debt. The Fair Debit Collection, Practices Act, 15 USC Section 1692C requires that you honor this request. Your cooperation will be appreciated. 

XXXX XXXX XXXX {$250.00} XXXX XXXX  - NOT valid - Never had XXXX XXXX XXXX {$1100.00} - XXXX XXXXXXXX XXXX - NOT valid - Never had XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX- NOT valid - Never had XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX - NOT valid - Never had XXXX XXXX - {$2900.00} XXXXXXXX XXXX XXXX XXXX XXXX  NOT valid - Never had XXXX XXXX XXXX XXXX - {$82000.00} NOT valid - Never had was covered under the cares act of covid 19 relief CC : Federal Trade Commission Consumer Response Center

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 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This company has continued to violate my consumer rights by reporting inaccurate information to the credit bureau about and account that is not even mine nor have signed and documents with this company but they continue to harass me. Down below I have documents an proof for violations

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 2023-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a charge for XXXX from XXXX which I submitted a dispute on XX/XX/XXXX which has been handled carelessly. I have proof of the item being returned for a full refund and Bank of America has not done a complete investigation and is not moving quickly to resolve this issue. I have provided proof with tracking that the item was returned and received by XXXX and that a refund was processed but bank of america is still slow to complete the investigation and refund 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 monetary relief
Consumer complaint received 2023-08-05
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  XX/XX/2023 : I had called about the debt collection, and I was trying to get resolved by stating to them that I have not open the account They have asked me for the number and address associated with the account I have asked them, can I use another method such Social Security Number like any other debt... 
They have refused and stated that No, I can't.. 
I do have an police report stating that my identity was stolen.

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 2023-08-05
Company: Exeter Finance Corp.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Came to my attention fraud is being committed and harming my personal well being According to 15 U.S Code 1605 ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

Also Regulation Z prohibits certain practices relating to payments made to compensate mortgage brokers and other loan originators. The rule prohibits a creditor or any other person from paying, directly or indirectly, compensation to a mortgage broker or any other loan originator that is based on a mortgage transaction 's terms or conditions, except the amount of credit extended. The rule also prohibits any person from paying compensation to a loan originator for a particular transaction if the consumer pays the loan originator 's compensation directly.

The rule also prohibits a loan originator from steering a consumer to consummate a loan that provides the loan originator with greater compensation, as compared to other transactions the loan originator offered or could have offered to the consumer, unless the loan is in the consumer 's interest. The rule provides a safe harbor to facilitate compliance with the prohibition on steering.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I began an application process for an American Express card online. Before submitting the application I was notified the spending limit would be pre-approved at {$2000.00}. I contacted Amex via their website chat option and asked about a higher limit. I informed them that the XXXX limit wasnt worth a hard inquiry on my hard-earned credit score ( XXXX ), and was informed that it was standard and I should submit the application and as soon as I receive the card I should call and they will increase the limit. That was false. American Express does not consider limit increases for at least 60 days. Not coincidentally, their offers for free balance transfer expire at 60 days. 
Their customer service has been unhelpful and at times adversarial. 
If I close the card and open a different one it will further damage my credit. 

I consider this an act of fraud and mistepresentation which had damaged my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Chime Financial Inc
State: VA
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 noticed I charge of {$250.00} on XX/XX/21 from XXXX XXXX A. I have never been to XXXX XXXX A. I am vegetarian and I do not like their blatent flaunting of their XXXX ideals so I would never support them. My bank, Chime, keeps telling me it is a valid transaction. I did not make this purchase and I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
1. XXXX XXXX -XX/XX/XXXX, customers service would not help and take care of the negative inquiry 2. XXXX unauthorized inquiry- ( customers service would not help and take care of the negative inquiry ) XX/XX/XXXX 3. XXXX XX/XX/XXXX and -XX/XX/XXXX unauthorized inquiry- ( customers service would not help and take care of the negative inquiry ) 4. XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, unauthorized inquiries ( customers service would not help and take care of the negative inquiry ) 5.XXXX-XX/XX/XXXX, unauthorized inquiry/fraudulent ( customers service would not help and take care of the negative inquiry )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Some one used my credit information and applied at companies which resulted with multiple inquires on my credit report that shouldn't be there. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Transunion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-08-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I recieved a Wells Fargo credit card that I did not apply for. I had a Wells Fargo banking account many years ago, so they already had my information. I only had a debit card when I had a WF account ... ... they now sent me a credit card. I did not apply for it. I am getting statements from 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 2023-08-21
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited XXXX in my checking account when it still had a positive balance. Bank told me they were holding my money for 7 business days becuase an overdrew my account a few times. 7 business days is too long since it involves a weekend and then 3 more days bringing zero acces to my account for 10 days which is 3 days longer than federal law. Also, since they had my checks on hold for so long, my account was overdrawn again since they were holding my money for so long. In another opinion, the excuse for holding my money was because of overdrafting. Since Im charged a fee for the each time that happened, they were paid each time with zero issues. This holding my money is totally unfair and is an excuse for the banks to hold my money so they can use it for 10 days. I called and complained and got brushed off with I have to speak to my manager and call you back which means we most likely will not call because thats how people are. I want my money and the bank to be told to never hold my funds ever again. Totally unfair, makes me late paying my bills or running my business. I want something done ASAP. 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 2022-01-12
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 I tried to access my paypal account. I wound up needing to enter a security code that was sent to my landline telephone via a voice recording that I used to sign in to the site. I then tried to use my paypal account for a purchase. I was asked to enter a security code which again was sent to my landline telephone. I tried to enter it but it was rejected. Subsequently my telephone number was also rejected by the site. At this point I contacted their customer service to try to straighten this out. I was basically told that paypal requires a mobile telephone to receive texts in order to use their service. I have been on XXXX for many years and have limited discretionary income. I do not have a cell phone and seriously do not need one. I find this requirement to have a cell phone a bit onerous and discriminatory. 
Paypal customer service offered twice to close my account of twenty years. Twenty years in which I have had no problems with my account until they made rules that exclude me from using their service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
Company: 2288984 Ontario Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
A car accident injury and Covid has caused struggles, and job lost also my family members returning home to my house because work is not available. It is hard to maintain all the people in the household now. I somehow have to deal with XXXX family members, much less keep up. I need help. The inflation of everything is unbearable and with everything that is going on I can not afford to pay the loan back .I am asking the company to forgive me and clear the debt please. I send a complaint in already and this company continues to overdraft my account and I do not have the funds available. I understand what they are saying but have a heart life happens .This was not my intent to owe them money or have an overdraft account .Please forgive me and clear the debt without penalty .I am struggling

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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: 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. 

Account name : XXXX XXXX XXXX XXXXXXXX has violated my rights. It was first inaccurately reported as a late payment for XX/XX/XXXX  and then reported inaccurate information and removed XXXXXXXX XXXX late payment and changed it to XX/XX/XXXX  inaccurate information. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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 2020-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I went into Bank of America located at 1 XXXX in XXXX XXXX to cash my check on XX/XX/20 and was subsequently denied, due to my race, after several excuses. I was first told that I could cash my check, then told I could not get any cashiers check, then told I could not cash my check due to check cashing limits, then was told that I needed to open an account to cash my check, then told the systems were down. It should be noted that individuals came into the bank, all XXXX and spoke with bank employees, who were all XXXX, at this point is when I was denied cashing my check. I later checked on the policies of the bank re : check cashing which turned out to be no bank policy at all. These individuals were making up their own rules to deny me cashing my check. I am XXXX XXXX. To test one of their excuses, I had an individual who has a bank account with this bank, go in and withdraw a well over the limit they indicated you can not withdraw, so obviously that was a lie. They told me they could not cash anything or allow to be withdrawn over {$5000.00} as my check was more than this. I had this individual go in the next day and withdraw {$6000.00} out of their account to see if that was their policy, and of course, it is not. Also, it should be noted that I recently sued this bank, so I am not sure how much of a factor, if any, this played in my being denied to cash my check.

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