BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-03
Company: Block, Inc.
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I signed up with Square as a POS processor on XX/XX/XXXX. My external bank account was added and by XX/XX/XXXX Square reported it as " verified. '' I then had my first sale and subsequent successful transfer of monies to my XXXX XXXX XXXX XXXX account using Square 's XXXX instant transfer. By XX/XX/XXXX the XXXX instant transfer option was disabled and subsequently caused me a loss of almost {$1000.00}. Every transaction thereafter I was only allowed to use Square 's slower ACH bank transfer option to receive my funds. From XX/XX/2021I had many more transactions and three transfers out of Square and into my XXXX XXXX XXXX XXXX checking account. Today it is XX/XX/XXXX and I'm still missing the funds from those three transfers totaling almost {$1000.00} because Square transferred them into someone else 's account. My checking account has been closed at XXXX XXXX XXXX XXXX after they verified to me that my funds were sent to an incorrect account and were unable to be recovered by them. I sincerely appreciate your help with this matter, Square couldn't be any worse of a financial partner and my life has been in ruins since they've pulled this scam. 

SUCCESSFUL ================= XX/XX/XXXX XXXX XXXX, XXXX. 
{XXXX} UNSUCCESSFUL ================= XX/XX/XXXX Next Business Day XXXX, XXXX. 
{XXXX} XX/XX/XXXX Next Business Day XXXX, XXXX. 
{XXXX} XX/XX/XXXX Next Business Day XXXX, XXXX. 
{XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau 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. 
SANTANDER XXXX Date opened XX/XX/2015 Balance {$0.00} XXXX  ( XXXX ) SANTANDER XXXX XXXX XXXX Date opened XX/XX/2015 Balance {$0.00} XXXX ( XXXX ) SANTANDER CONSUMER USA XXXX XXXX opened XX/XX/2015 Balance {$0.00} XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX. This is a formal complaint against Experian for refusing to remove a discharged bankruptcy from my credit report that does not belong to me. My report says that the identification or account number for this bankruptcy is # XXXX. This is not my first dispute against this item, I have been fighting tooth and nail with Experian trying to get this removed for years. First of all, this account is only being reported on my Experian file. There is no record of a bankruptcy on XXXX or XXXX. This says a lot because if I really would have filed a bankruptcy in XXXX, this would also be showing up on my other two credit reports but it never has. I am attaching a screenshot from a recent report which shows this fact. Second, there are no negative accounts listed on my report that show any indication I ever filed for bankruptcy. How can I have a bankruptcy if there is nothing listed on my report to suggest I ever did? This should be very straightforward but is something Experian has continued to ignore in all of my past disputes. Last and most importantly, I have contacted the XXXX XXXX Bankruptcy Court to the XXXX number provided in Experian 's responses. The information they have does not match my personal information. I was told I would need to dispute this with Experian in order to get this removed. If all this is true, how can Experian respond to my dispute verifying that this is my account? My dispute is being disregarded as frivolous when it is really Experian failing to process my dispute properly.

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 2022-04-03
Company: Experian Information Solutions 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:
I've been challenging accounts XXXX and XXXX on my credit report with experian because there agency is reporting inaccurate information. when they sent my results XX/XX/2022 I had noticed there before and after results showed experian illegally re-aged these accounts without updating the payment history supporting their update. XX/XX/2022 I put them on notice based on those same errors. XX/XX/2022 there results stated they updated these accounts. when I looked at the before and after nothing was updated and experian didn't even properly notate that a investigation was done in the comments section on neither accounts. XX/XX/2022 I wrote them a letter for the reasons I just specified. finally XX/XX/2022 I got back results and again they state they updated these accounts and NOTHING was updated. Nothing was changed. im tired of going back and fourth experian Is obviously in non compliance. they are generating false results to me wasting my time and causing damages to my credit report. with all that being said, I did not give these furnishers written instruction to furnish information on my consumer report under 15 u s c 1681b ( a ) ( 2 ) and under 15 u.s.c 1681 ( a ) ( 4 ) these furnishers are violating my right to privacy by reporting inaccurate information, treating my consumer report unfairly by generating me with false results still with errors and furnishing information on my confidential consumer report without my authorization. included are all paperwork to support this complaint.

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 2017-10-25
Company: Constar Financial Services, LLC
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2017~Constar Financial , XXXX AZ called me on a local [ XXXX ] XXXX - first on my office number, which is XXXX and was very rude when I requested to remove the number from their call list. I gave the person [ XXXX XXXX ] my cell number and he called me, again from XXXX number, when he was in Arizona. I requested his company name, location,, and true telephone contact number, which is XXXX. He indicated that his client, XXXX, was trying to collect on loans from XXXX ( XXXX and XXXX specifically ), but would not provide me actual loan numbers, instead gave me a sequence of XXXX which is part of my Social Security number. The loans in reference are old and should no longer be on my account and I called XXXX, who said they had no idea who Constar Financial was. The loans amount to XXXX, but again, these are old loans that fall under the statute of limitations which I am no longer responsible for - regardless, this person was very rude and threatening and when I said that the loans were private and uncollectable, he stated very rudely that " these loans never go away '' which is an absolute lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: IL
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:
There are inaccuracies on report thats affection my credit. According to 1681b number 2 I never instructed the agency to furnish my report or create this report and I never consented to this report in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Enhanced Recovery Company at XXXX XXXX XXXX, XXXX, FL XXXX has been sending me collection notices in the amount of {$1000.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
They wo n't let me in my account. I have tried to activate my card. I also called and been hung up on 3 times. 
I just got this account. What should i do?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Macy 's has been unable to resolve an issue of wrong charges posted to my account and has been adding late payment fee on top of the charges posted incorrectly to my account. I have called Macy 's customer service multiple times as recent as on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I spoke with XXXX, ID # XXXX and on XX/XX/XXXX, I spoke with an associate with ID # XXXX. Both associated acknowledged that the fault is at Macy 's end and they will put in a recommendation to fix the issue. No action has been taken so far and I keep receiving bills with even a higher amount due to added late payment fee. 
I started this discussion with Macy 's team in XXXX of XXXX and even had my lawyer speak to Macy 's. All discussions for almost an year have not led to resolution. I am sure that this is impacting my credit score. I would like Macy 's to take responsibility and fix the issue at their end. I would also like Macy 's to correct the information so my credit score is not impacted by their mistake. 
I would never every purchase anything at Macy 's and encourage others to do the same. A firm which can not resolve a billing dispute in almost an year does not deserve customer loyalty.

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 2022-04-03
Company: Block, Inc.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I placed an order on XXXX for {$1100.00} on XX/XX/XXXX. I then returned the product, and it was confirmed by XXXX that the refund was sent on XX/XX/XXXX. The payment of choice was Cash App, which has been telling me for weeks that XXXX never sent their company the funds for the return. I got an email reply from XXXX on XX/XX/XXXX with a credit memo attachment of the refund being processed on their system on XX/XX/XXXX. Cash app since has not responded to my emails after XXXX attempts. I am now out {$1100.00} because XXXX and Cash App will not take ownership of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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:
since XXXX bank of america has charged my credit card account to XXXX.I do not owe B of A XXXX.they say they revoked my previous fraud award monioes this year XXXX.for some other younger males transactions and want me to foot the bill because they grabbed him for a purchase of 3 days on-line XXXXhe originally tried to purchase the 3 days of XXXX with XXXX which did not go thru.while he was prompted to the pop up ad to that web site he was provided an ad for XXXX XXXX XXXX XXXX which he began to purchase but did not enter his account numbers for the purchase .but, since on the mobile app.the numbers were already entered allthopugh the bank blocked the purchase the account has been hacked i think and the b of a is saying that my previous fraud claims are not valid and the b of a needs to cover thier XXXX maybe and are fraudently stating i owe revoked fraud claim award money totaling XXXX. i dissagree with me owing them any money.my availabel credit XXXX was XXXX and i want my XXXX availabel credit restored or my claim resolved arbitrillary and my account closed with me owing the bank of america any money, because the card has been duplicated.

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 2017-10-25
Company: Premium Credit Bureau
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:
Affidavit of Demand by XXXX XXXX XXXX XXXX OF XXXX XXXX OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX of XXXX. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : Premium Credit Bureau XXXX XXXX XXXX XXXX, XXXX, FL, XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my XXXX attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within XXXX days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

FTC Identity Theft Report Number : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I tried to use my Venmo account and found out it was frozen. I contacted Venmo customer support and they said my account was frozen so they could verify my identity. 

They then stated that I would need to send a photo of my government ID with no information redacted and a selfie of me holding my ID. They said to make sure it wasn't a photo copy but an actual photo. 
When I told them that I was worried about identity theft and didn't want to share my government ID that stated that was the only way to unfreeze my account. 

I asked them why they couldn't use my phone number, address or email ( or a combination } to verify my identity. Instead of answering they just stated that without I photo ID my account would stay frozen. 

I then asked about the funds I had in my account and they said they were frozen also until I produced a photo ID. 

The bottom line is that without risking ID theft my account is frozen and I can't get my funds back. The amount of funds is about {$69.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-04
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX charged me instead of the insurance company as the notes even said " insurance/billing information not provided '' and now UCSB debt collection agency is trying to collect this XXXX $ amount that should have been paid by the insurance company in the first place, but was not due to an error made on the medical providers part. XXXX XXXX said I owe them for 'deductibles ' but this seems to be the same point in time my insurance was not billed adequately from lack of unknown information. XXXX XXXX did not try to resolve this issue with insurance and rather sent this phony debt to UCSB collections, who have constantly bombarded me with weekly phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Genesis FS Card Services, Inc.
State: PA
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 closed on my new home on XX/XX/XXXX. I immediately started notifying my creditors of my new address. I received a collection call from Genesis F.S. card services informing me that my XXXX payment was delinquent. I told her I had paid all my bills. I asked her if statement had been mailed. She said they received my change of address but they were waiting for me to call before they approved changing it. I've never heard such b.s. but okay. I paid my delinquent XXXX paint as well as my XXXX to bring account current. I asked her if my account had been reported 30 days delinquent. She said yes. I asked for correction to be submitted. She said ok. I then made payment of {$1100.00} to pay account off. I did follow up call on XX/XX/XXXX. Spoke with XXXX. Td him I was following up on cbr correction. He said he sees in note request was sent but takes 30 -60 days. I asked for letter to be sent for me for my records. They sent me a letter basically asking me why do I want cbr corrected. I fell as though this company is using unfair tactics to abuse customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Turning Point Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
So I received a call on my work phone from number ( XXXX ) XXXX - XXXX at XXXX XXXX  on XX/XX/2017 claiming to be XXXX XXXX explaining that I had a {$1500.00} debt from XXXX. In the past when they called my girlfriends phone I have asked to send me something in the mail that would verify the debt is valid. I have NEVER received anything in the mail. On the XX/XX/XXXX they called me at WORK on my WORK phone, I asked how they obtained the number and they stated it was from a backlog? I am pretty sure they obtained the number illegally and ignored my request to send valid documentation in the mail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX formerly XXXX XXXX sent my account to collections because their customer service was unable to determine how to have me send them back their rented modem. This has been resolved, and XXXX XXXX now has their equipment back at their XXXX, NC location. This collections balance remains on my account however, and their customer service is unable to remove it instead directing me to some customer service phone line that may or may not be to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX XXXX account # XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX XXXX account # XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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 2017-10-25
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
G.C.SERVICES is reporting a collection on my account which has already been paid. Back in XXXX 2017, G.C. Services agreed to delete my account when it was paid. I believe it was called a pay for delete. I checked my credit the other day and found they are still reporting this account in collection. Per our oral agreement I would like G.C. Services to remove this account from my credit file.Please assist in getting it removed my report.

Company response to consumer: Closed with explanation