BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-26
Company: Square Inc
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2020 at XXXX I began receiving alerts from my bank about transactions that were hitting my checking account. The fraudulent transactions were originating from something called CashApp. I had four transactions successfully go through my checking account for about {$200.00}, the rest of the attempts were declined by my bank. I have never used CashApp and did not know what this was until this event occurred. I disputed the charges with my bank and they are in the process of investigating the charges. On XX/XX/2020, I received via US mail a Visa debit card from CashApp with my full name, a debit card number, CVV number that I did not request. My complaint is that I have searched the internet for contact information for CashApp ( owned by Square ) and they explicitly state there is no phone number that you can call and talk to anyone. You have to use their app to contact support. I do not have an account with CashApp and therefore can not use their appt contact support. I have no way of canceling this Visa debit card they have issued because I can not contact them. How can this be? How can they issue cards in someone's name from a fraudulent transaction and are not required to have a way for consumers to contact them outside of the to resolve the situation? I have no idea what this debit card is tied to and no way to contact them to get it canceled. The fine print on the card says issued by XXXX XXXX. I tried to call them and all you get is a recording that live support is not supported and that you have to use the app. Are you kidding me? Something is not right here and this company and bank issuing these cards ( XXXX XXXX ) needs to be investigated. How in this day and age are allowing consumers to be taken advantage of and we have no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: TN
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:
To whom it may concern : I am filing this complaint because on XX/XX/2021 there is an authorized hard inquiry on my Equifax credit report. Before I decided to file this complaint, I did confirm through the annual credit report website that this was indeed a hard inquiry. Also I am 100 percent certain that I did not authorize this or apply for credit. The bank / lender that initiated the credit inquiry XX/XX/2021 is XXXX XXXX I attempted to rectify this situation with them but after speaking with the fraud department, I was told that they don't have access to credit files and that the company would not be able to help me. Also, I contacted Equifax. I received conflicting information from Equifax. Although their site says that disputes can be handled over the phone, online or by mail, I was told by a supervisor that they don't handle disputes and that I should contact the FTC. The FTC 's website connected me to the CFPB for assistance. I take my credit very serious and I feel it is an unfair practice for XXXX XXXX to initiate this inquiry on my credit report. Once last thing that I will mention is that I checked all 3 credit agency reports. XXXX shows a XXXX XXXX  soft pull on the same date and there is no XXXX XXXX inquiries on XXXX. Weather intentional or in error, I am simply asking for help to get this fixed. I look forward to your reply. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
{$1200.00} or XXXX which one is it? 

Going in updating wrong payment amount.. I have screen shoot and photo evidence of them through the months Ive called to settle/ pay in full they company did not want to accept payment Threatening to Leave on consumers 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 2022-10-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Attached you will find a copy of my IT report on this issue. Experian Consumer Reporting Agency. Continues to Furnish a FRAUDULENT ACCOUNT on my Consumer Report. I listed several FDCPA and FRCA LAWS that they are Violating but they continue to report this account. They are Violating Permissible Purpose, Right to Privacy, Billing Error and they are Violating the provisions of 15 USC 6802.

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 2016-06-19
Company: Netspend Corporation
State: IN
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Unauthorized transactions/trans. issues

Complaint:
I am a widow and a woman with a XXXX, I have limited money so I do XXXX on the side to support me and my daughter. On XX/XX/XXXX a client paid me via XXXX a deposit so that I can start a editing job for her FOR more than 24 hours I could not access my own money that I worked hard for. I contacted the business three times and I was advised that my money would be released so that I may transfer it within in two hours. I first called the business at XXXX on XX/XX/XXXX. I called again in the afternoon on the same day and was advised in two hours the website would be working. It is now 24 hours later and I have not been able to transfer my money to my prepaid card. 

I contacted them to ask them what were they doing to compensate for this inconvience. I was told nothing would be done. I still do not have access to my money and because of this I need to file a complaint against XXXX this is unacceptable I called again on XX/XX/XXXX spoke to a Rep named XXXX asked for his supervisor I was hung up on .... 

my client is upset because I promised her a sample before we got started on her project. I had to take money from my Personal savings account so that I can start on this project for a client because paypal 's prepaid card is having problems and you are not able to transfer money from your paypal account to your prepaid card. I use this account for my business and they are affecting my business. I asked them what they are doing to compensate for this and I was advised nothing would be done.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Placed money in a investment account pushed by the bank.After five years the value never increased but decreased although markets increased over this time. The bank continued to charge a yearly maintaince fee even with negative returns. The worst decision I have ever made by letting a bank invest my money. Lost time and money thru this deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
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: 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, The XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: EQUIFAX, 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX ( Original Creditor : 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 2022-10-19
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
XXXX stated that my accounts would be reported to the credit bureaus, which I was fine with. However, I have made over 3 years worth of on-time payments to XXXX and never once did they report those payments. Then, out of nowhere they report XXXX accounts as past due AFTER I paid them and AFTER they told me that it wouldnt be reported bc I was slightly behind due to an issue with my bank that was recently resolved! Now my credit score has dropped by XXXX XXXX points and theres no way to fix that immediately. They need to remove those accounts immediately. And I cant make additional payments while other payments are processing, which is XXXX and has caused this to happen.

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 2017-03-04
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I moved into my house and had XXXX Install home phone and internet service In my home within the last week I have received 8 phone calls From the same debt collection company south west credit Asking for a woman I do not know. 
I 've returned all 8 phone calls this week and have told them Not to call I do n't know who the woman is that they keep calling and asking for. 
I have repeatedly advised the caller of the fdcpa and I get a call 2 hours later from the same debt collection company but from a different phone number. 
Several times the all is a automated robotic voice again from The same company but using a different number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
RE : refilled on XX/XX/XXXX Complanint Number XXXX previous 1st time filed on XX/XX/XXXX Complaint Number XXXX and you referred me to FDIC and now they had solved the problem with the bank but Chexsystem never update the problem so FDIC told me that you are cfpb is the one need to deal with Chexsystem and referred me back to you, so I filed another complaint with you onXX/XX/XXXX. I did n't attached the police report on XX/XX/XXXXbut I did attached it on XX/XX/XXXX and not sure you are still have the police report or not so I decide to attach the police report to you today.

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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$23000.00} XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX Inquired on XX/XX/2023 XXXX XXXXXXXX XXXX : {$1600.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} TD XXXX XXXX XXXX Balance : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA AV XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : -

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance : {$2200.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-05-24
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act DPT ED XXXX Account # XXXX, DPT ED XXXX Account # XXXX, DPT ED XXXX Account # XXXX and XXXX  ACCOUNT # 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 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following CLOSED account is being reported on my credit file although it was opened in XXXX  : - XXXX  ( XXXX ) accounts reporting on XXXX, XXXX and Transunion.

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 2023-06-05
Company: EQUIFAX, INC.
State: VA
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 XXXX please 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
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:
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 XXXX XXXX XXXX Account name Account Number Last XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX ) Reference # XXXX Bankruptcy ( XXXX  XXXX ) Bankruptcy ( XXXX XXXX ) Reference # XXXX 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 XXXX years. 

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
After reading your online advisory for student loan co-signors, I wrote a letter to XXXX and Navient requesting to be released from my obligation on my grandson 's college loan. I am a XXXX-year-old widow with limited income and have health issues. If the good XXXX calls me back, I do not want my grandson to bear the responsibility of paying the loan immediately and totally. I did send both companies one of your sample letters. XXXX did not respond but Navient did refusing to release me because my grandson had not made 4 YEARS of consecutive on-time payments. That is an absurd and unrealistic requirement designed to thwart co-signors from being released. Navient did not provide proof of his payment record with its terse response ; I guess they thought I should just expect the word of a dishonest, reckless company using deception to take advantage of its youthful borrowers. Navient also did not respond to the other questions I posed on the sample letter as well. My grandson can not recall being informed about the income-based repayment plans either. I would like to add my voice to those individuals expressing their concern about being caught in Navient school loans nets designed to snare them and their co-signors with deceitful, unethical and illegal business practices Future loan recipients should be aware of Navient. Finally, I thank the CFPB for its work in exposing these deceptive and harmful business practices.

Company response to consumer: Closed with explanation