BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have, on 4 separate occasions attempted to update my credit report through Experian. I am a victim and have several account VERY negatively effecting my credit. I have send in the identity theft report, proof of identity, proof the account are not mine, only to be told the information has been " updated ''. But all they did was make a comment stating " consumer disputes 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 2021-04-14
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I called Cash app, on XX/XX/2019, to discussed the dispute. I explained, my error, I tapped the wrong person name and the money was send. I called my bank, the money was credited back to my account, until they could investigated the matter. 

On XX/XX/2019, I received notification, the money had been withdrawn and returned back to the same person. 

XX/XX/2019, Cash App 's has several phone numbers listed, on the internet. I called Cash App spoke with a male named XXXX XXXX, a representative of Cash app. Mr. XXXX stated, he could see my account and repeated the last 4 digits of the account number. He commented, " I can see you have never filed a claim with our company, before and I will refund your money '' In fact, I will deposited {$250.00} for this inconvenient. He said, " I need your bank card number '' I explained, the bank card has been closed '' Mr. XXXX next question, " How far are you from XXXX? I said, about 30 minutes. Mr. XXXX instructed me to go to XXXX and purchase a gift card for {$250.00}. Once, I have purchased the card, call him back with the numbers from the back of the card, so that he could deposited the money onto the gift card and I then could placed the money back into my account. I then realized it was a scam. The person, who I send the money never contacted the bank stating, they was owed any money. Cash App took advantage of the error and kept the money. 

After I learned is was scam, I call the XXXX  XXXX XXXX ( XXXX.XXXX.XXXX. ), to report the incident and learned Cash App does not have a phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
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 status incorrect

Complaint:
Please see attached Complaint Number XXXX against XXXX XXXX, copy of XXXX response deleting the late payments, copies of my latest credit report. 

I filed a complaint against XXXX with regards to XXXX account XXXX. XXXX responded dated XX/XX/XXXX that they already submitted a request to all the credit reporting agencies to remove lates reported in between XX/XX/XXXX to  XX/XX/XXXX. Despite XXXX sending the request to the bureaus, more than 30 business  days had passed, the late payments are still in my report. I am now willing to file a lawsuit against the bureaus and XXXX due to their negligence and none compliance.

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 2022-02-16
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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/2019 {$3500.00}, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00}, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$160.00}.

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 2022-02-16
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received an ad on XXXX about automated blinds. I inquired, and XXXX XXXX XXXX called and came to quote in person. At that time the representative ( XXXX XXXX ) prepared an invoice and requested {$1600.00} as a deposit which was paid via Zelle. The remaining {$400.00} was to be paid upon completion. Initial scheduled date was XX/XX/XXXX, but nobody showed up. In the afternoon a received a call claiming the warehouse got flooded that's why they did not show. Rescheduled for Monday XX/XX/XXXX, nobody showed up and no reply to my text inquiring about it on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I attempted another contact, was told coming on XX/XX/XXXX, another no show. On XXXX attempted contact requesting a refund. The business replied that they'd drop off the check. No check was ever delivered nor electronic transfer. XX/XX/XXXX another contact was attempted with no resolution nor refund. Several other attempts were made to the business with no response. I bank with XXXX XXXXXXXX XXXX who investigated the claim but were unable to resolve since the business banks with XXXX XXXX. I tried to resolve with XXXX XXXX who indicated to resolve with XXXX XXXX XXXXXXXX. They go by XXXX XXXX XXXXXXXX XXXX XXXX but the registered name of the business is XXXX XXXX XXXX. There are multiple businesses under the owners. The owner is a convicted felon and there are numerous complaints and lawsuits for theft and fraud including healthcare fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
coinbase.com support department is non-existent. Tickets go unanswered. I opened a ticket on XXXX 05, 2017 XXXX PDT ( case XXXX ) which has yet to receive a response. I am locked out of my account and am unable to access funds within the account or even verify that the funds are still there. I have emailed support multiple times, attempted to verify with several different legal forms of identification via the coinbase.com site automated verification process to no avail. Their customer service is very lacking and I would urge individuals to chose to do business with other reputable companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
RPM Receivables claimed I owe {$1100.00} on a closed XXXX XXXX XXXX account. The account was closed in XXXX of 2016. <P/>The company called me today with a Washington State number, it was from an XXXX call center. They asked for me by name, I asked who was calling? I heard a click and another agent came on the line. The call center rep, in a rush spoke very fast, with my name and cell phone number, then hung up. After learning about what the call was about, I immediately told the agent that I had no such debt with XXXX XXXX XXXX when I cancelled my service. He was adamant about setting up a payment arrangement. I further advised, I wish to dispute it. He again asked to set up a payment arrangement. I advised him this was not a valid debt. He then advised he would flag the account as disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: ADP Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I initially had this card through my job, which I have since left.. the card was still active when I used it to receive some overpayment from SSI. This was in XXXX I left the money on the card for my son. So this year I was going through my CC and realized that the card in question had expired in XXXX of XXXX. I thought perhaps I had not updated my address with the company so I called and submitted a request to update my address. They would not let me update without providing identification. I obliged by providing my Drivers License, SS # and a current Student loan document with the date/address/and my full name. I received an email from the compliance dept stating they could not clearly see the documents. So I scanned and uploaded the documents again. I called and tried to explain the documents were in color and showed all 4 corners. So, I ended up sending/uploading these documents 3 more times and each time they refused to accept these documents. I called again and requested to close the account and to please issue a check so I can deposit the funds into my bank. I have not received any correspondence since. I receive a text from this card company stating the amount in the account but they claim they need the same documents but the documents must pass their compliance dept. This makes no sense to me considering all the documents were government-issued. They also sent a secured email claiming I wanted to reset my password which I did not make this request. I have encluded all emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: MS
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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX Balance XXXX {$0.00} US DEPT ED XXXX Balance : {$2800.00} Date Opened : XX/XX/2011 US DEPT ED XXXX Balance : {$640.00} Date Opened : XX/XX/2011 XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$6900.00}

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 2020-02-07
Company: Associated Credit Services, Inc.
State: MA
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:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: ASTA FUNDING INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a default judgement served to my then XXXX year old daughter. The company is Palisades Collection LLC. Its dated XXXX. No one signed for it. Weve had bank account garnished as well as wages. After receiving payment, this company filed for funds four more times with all different amounts. Each have file stamped XXXX and the judgement dates are Filed XX/XX/XXXX Garnish issued XXXX Amount {$1900.00} File XX/XX/XXXX Garn XX/XX/XXXX Paid {$3600.00} File XX/XX/XXXX Garn XX/XX/XXXX Paid XXXX File XX/XX/XXXX Paid {$2000.00} File XX/XX/XXXX Paid {$470.00} XXXX/XXXX/XXXX We are not able to find out who is behind each one of these suits. This is totally frustrating!!! The last action in XX/XX/XXXX, they froze and garnished our entire bank account and as a result, our home is in foreclosure. 
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 2017-07-11
Company: TMX Finance LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
TITLE MAX ( Company complaint is against ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Office # XXXX XXXX : TITLE LOAN ACCT. # XXXX To whom it may concern : My name is XXXX XXXX and I currently have an account that is in default with Title Max. They wish to settle the matter by payment of principal {$2500.00} plus compunded interest, which will be issued towards closing the account, and all further matters that relate to monies owed, whether principal or interest, and interest of ownership in the title and motor vehicle used to secure the loan. I understand that they are attempting to claim mostly principal with some interest, and maybe even some filing fees and document preparation. However, I recently spent time in XXXX XXXX and noticed that all their interest rates where no more than 7 % for the same motor vehicle title loans. I looked into the California Loan Usury laws, which brings the 14 % interest into question that my agreement with Title Max has set for an interest rate. I was unaware of the Law as the agreement only detailed a following : California Finance Lenders Law Div. 9 sec.2, and sec. 5 of the Federal Arbitration Act. Under California interest rate laws and Usury laws set the Legal Maximum Rate of Interest Loan/forbearance of any money, goods, or things in action, or accounts after demand-7 % or contract rate ( Cal.Const. XV 1 ) contract rate shall not exceed 12 % ( Cal.Civil Code 1916-1 ). Penalty for Usury ( Unlawful Interest Rate ) Contract or agreement for greater than 12 % shall be null and void as to any agreement to pay interest ( Civil Code 1916-2 ) ; debtor may recover treble amount paid ; willful violation-guilty of loan-sharking, a felony and punishable by imprisonment in state prison for not more than 5 yrs. or county jail for not more than 1 yr. ( Cal.Civil Code 1916-3 ). Interest Rates on Judgments set by legislature at not over 10 % rate ; in absence of setting of such rate, rate of interest is 7 % ( Const. Art. XV 1 ). I believe that this loan agreement should be viod due to the unlawful amounts set within the agreement, that violate Claifornia Interest Rate Laws and California Usury Laws. These type loan have been ruled in Nevada Courts as null & void, with Title Max being ordered to repay the borrowers. I feel this is a simular situation that need to be looked into and addressed. <P/>Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX email : XXXXXXXXXXXX Phine : (  XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was sold scam tickets to XXXX XXXX XXXX XXXX XXXX. Seller claimed to have tickets and convinced me to use PayPals friends and family setting so I couldnt revoke payment after processing. He had no such tickets. I have screenshots of our interaction that I can provide I tried making a claim with PayPal but was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Experian Information Solutions Inc.
State: NY
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:
I am writing because I sent some letters to the credit bureaus in the beginning of XXXX and I haven't heard anything back from them since. They are reporting late payments to my report during the covid forbearance period. I am a victim of Covid and I feel like im being taking advantage of. Please can you help me because these companies are not following the rules and regulations, 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 2017-12-29
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 the month of XX/XX/XXXX I sought out to settle and invalid State Tax Lien with the State of Georgia orginallly filed in 2011. In order to have it removed and " withdrawn '' I needed to settle an amount with them. After this was complete I filed a request with TransUnion to have lien withdrawn ( removed ) from my credit report as it was filed in error to begin with ... However, tranunion did not remove the lien. They actually updated it to only reflect the lien released which lowered my credit score but 26 points! I have tried to call them and speak with them but it was unsuccessful. It is impacting my closing on my home purchase. The State of Georgia is suppose to be sending me a letter but I wo n't get it in time. I need this state tax lien removed immediately. Please help. I will attached the cancellation document I originally received from the state and well as a screen shot of the current active lien listings for the state of Georgia to show that it has in fact be Removed and my name is not on the list. Please help get this fix for me 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 non-monetary relief
Consumer complaint received 2017-07-11
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Paid the full balance on XX/XX/XXXX before the billing cycle/statement closing date. It then had XXXX balance with no additional charges. The statement closing/billing cycle closed 10 days later and they billed me an additional {$55.00} for interest that apparently accrued during that billing cycle. I closed out 3 other credit cards the same way ( as a result of a consolidation loan ) and none of the other credit card companies charged further interest on a XXXX  balance except for Citibank. When I paid the balance in full before the statement closing date there should not have been additional interest charged

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 2021-04-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received a call for a lady named XXXX who said she was from the fraud department about an account. She was asking very personal questions about where our money comes from and our spending habits and how we use our money. I thought these questions were non of her business. 

After this call I was locked out of all my accounts with not internet access also. I called them back to ask about this and they said my accounts were under investigation for fraud. I monitor my accounts closely and have not seen anything to indicate fraud. I am also the POA for my mothers accounts as we have had to put her in a XXXX XXXX because of XXXX/XXXX. I have been taking care of my mothers finances for over a year with out any problems, but now I can't access her accounts to continue paying her bills. 

I want to file a formal complaint against this XXXX person as she has meddled in my accounts and has caused a lot of hardships for my family.

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